Financial planning is the process of pursuing your life goals through the proper management of your finances. Life goals can include buying a home, saving for your child’s education, or planning for retirement.

If you need expertise you don’t possess in certain areas of your finances or aren’t sure where to start, you may need professional financial planning.

Coordinating your taxation, distribution, investment, risk management, and planning strategies with your personal legal and tax advisors and our network of outside professionals, you will experience the value that comes from financial planning.

Managing your money and getting the right combination of income and growth at various times in your life is important work. Our team spends a great deal of time doing research, monitoring, analyzing and rebalancing the client portfolios that we manage personally. 

Establishing an estate plan as part of your comprehensive wealth plan can be one of the most effective ways of lowering estate taxes, while providing for your family and leaving a legacy for the future. We coordinate with your attorney and CPA to implement your estate plan from beginning to end by offering bi-annual estate planning reviews, long-term care planning, legacy planning, and more.

Your time, talent, and resources are on the line and at risk. It is imperative that your financial and estate plan takes into consideration the risks that you, your family and your business cannot afford to take.

To protect your family, business and assets, the risk to your abilities also must be diversified. The least expensive and most intelligent method is through insurance.

Our business planning professionals will consult with you to evaluate or establish employee retirement plans, executive compensation and business buy-sell/ continuity strategies. We will meet with you and/or the key team members of your organization, on a complimentary basis, to explore how we can best work towards your needs.

A 403(b) plan is a retirement savings plan, sponsored by a tax-exempt organization or public school, that offers significant tax benefits while helping you plan for the future. You contribute to the plan via payroll deduction, which can make it easier for you to save for retirement.

The recent SECURE Act has made major changes regarding 403(B) plan contributions. If you’re worried about where your plan stands, let’s talk.