Who do we work with?


Our experience focuses our advice on clients in a few situations:

  • Pre-retirees planning for and retirees living in retirement

  • Clients building and managing their wealth for retirement and non-retirement goals

  • Multi-generational family wealth management for high net worth families

We work with pre-retirees and retirees to plan for and manage their retirement income.  We use a combination of retirement income distribution strategies, such as coordinating portfolios with timing of when to start Social Security, bridging health insurance costs until you start Medicare, income tax planning strategies, and for clients who have accumulated more than they need for retirement, we provide estate planning strategies to provide a legacy for their heirs.

Common questions we receive:

  • Am I able to retire?
  • How do I invest my savings for income?
  • When do I start taking my Social Security?
  • How do I prepare for health care costs?
During your income-earning years, we help you to define your overall financial goals and to build a financially stable foundation for your future. We address all of your areas of concern including managing cash flow and liabilities; organizing your savings and investments to align with your goals; minimizing potential income taxes; making decisions regarding life insurance, estate planning strategies and helping to build future wealth.

Common questions we receive:

  • Am I on track to retire?
  • When can I retire?
  • Am I investing my savings correctly?
  • Is my family protected in the event of an unplanned for death?
  • How much do I need to save for my kid's college costs?
For many families, there will be enough wealth to pass from one generation to the next.  Our multi-generational team is able to help your family prepare for and successfully transition both wealth and family values.  Through developing strong relationships, we can provide individualized advice to each generation.  We provide estate planning strategies to help minimize potential tax and legal consequences which could occur from unprepared wealth transitions.

Common questions we receive:

  • How do I teach my children/grandchildren about money?
  • How do I get my children/grandchilren to start thinking about investing?
  • How do I gift properly to my children/grandchildren?
  • How do I make sure my estate planning documents (i.e. wills, powers of attorney, trusts) match my accounts?
  • How do I structure my accounts to minimize estate taxes?

Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.