Families & Individuals
We will be straightforward and honest about your financial situation and explain the benefits and drawbacks involved with the options we propose. We will give you our recommendations, but the final decision is always yours.
Some of our clients have had relationships with other financial professionals and wish to know about how our philosophies compare. Others have never worked with a Financial Advisor and aren't even sure which questions to ask. Our meetings are conversational and involve a lot of back and forth discussion. We want you to be comfortable with all aspects of our relationship.
- Financial reviews - Our process isn't something we write down once and file away. We meet and update you in the way that works best for you. We offer in-person, video conference and phone call reviews.
- The Envision® Process - We recommend all of our clients experience the eye opening results this investment planning simulation process can deliver. We assess your goals and provide a personalized confidence result from 0 - 100. We then make recommendations to get your result where it needs to be. There's no cost, it's a service we provide our clients.
- Retirement planning - We'll help explain the options in your employer-sponsored retirement plans and IRAs, and help you determine how much you need to retire comfortably.
- Retirement Income Strategies - All your life you're told to save. What happens when it's time to use those saving to create income? We work to understand your income needs. We analyze your income sources and recommend strategies to help generate the income you need.
- Investment management - We spend much of our time helping you determine your asset-allocation needs. We will help you understand your risk tolerance and recommend the appropriate investment strategies to help you reach your goals while providing ongoing management and guidance.
- Social Security claiming strategies - How and when you claim Social Security matters. We will provide you a personalized analysis and recommendation.
- Tax efficient investment strategies - How much you make isn't as important as how much you keep. Although we do not provide tax advice, we'll help ensure your portfolio is tax-efficient by developing appropriate investment strategies and referring you to qualified tax specialists.
- Estate planning strategies - We work with estate-planning attorneys and provide access to trust specialists. We help review investment related details of your wills and trusts, preserve your estate for your intended heirs and establish beneficiary designations to address potential estate taxes and probate costs. We coordinate with your tax and legal advisors, and can refer you to other professionals if needed.
- Education funding - One of the more rewarding gifts one can give is the gift of education. After learning about your priorities, we will recommend investment and accumulation strategies to help you save towards your children or grandchildren's education.
- Risk management - It is always important to review existing insurance policies to help ensure your policies are accomplishing your original intent.