Financial Planning

We work with you to create a comprehensive financial plan to help pursue your long-term goals and navigate any challenges you may face along the way. This financial plan coordinates the various aspects of your financial life, including Investment Management, Retirement Planning, Estate Planning, Tax Planning and Education Planning together with other issues that may come up such as taking care of a parent or other dependent.

Investment Management

We build your portfolio through customized proprietary investment strategies using proven processes that include a tailored and diversified mix of mutual funds, exchange-traded funds, individual stocks, fixed income and alternative investments, as appropriate. We continuously monitor and update your accounts, executing tactical movements within your portfolio when necessary.

Disclaimer: There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Tactical allocation may involve more frequent buying and selling of assets and will tend to generate higher transaction cost. Investors should consider the tax consequences of moving positions more frequently.

Estate Planning

We partner with your attorney in an effort to build a robust estate plan to benefit you and your heirs, and work to ensure your estate plan is in line with your overall financial plan. We help you explore options for leaving a legacy and potentially minimizing estate taxes, and we evaluate various types of trusts that might help you achieve your estate planning objectives.

Tax Strategies

Taxes can eat away at your investment gains. That’s why we structure your investments seeking to minimize capital gains taxes. We employ tax-friendly investments whenever possible and harvest investment losses to offset gains. We also work with your accountant to review your income taxes and help ensure your tax strategy is fully integrated with your financial plan to provide an effective way for you to contribute to your retirement plans seeking to maximize your tax savings – now and at retirement.

Education Planning

The increase in college costs has outpaced the rate of inflation for years. That’s why it’s important to plan early for education expenses. We can work with you on a college savings plan seeking to help minimize how much student debt you or your child takes on. If you’re a grandparent and have the resources to do so, we can create a plan may allow you to help with education costs for your grandchildren.

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