Our life work and mission is to help people gain financial clarity.

Trusted Investment Management

☐Investment selection to meet your goals
☐Custom portfolio design and implementation
☐Your own personal financial review
☐Maintaining portfolio alignment with rebalancing
☐Asset allocation – don’t have all your eggs in one basket
☐Asset location strategies for tax efficiency
☐Understanding your performance return
☐What level of fluctuation risk you may be taking
☐Monitoring plan - staying on target for your goals
☐Net worth statement
☐Understanding the markets, historic trends and outlook
☐Experienced first-class research

Retirement Planning-It Doesn’t Have to Be Overwhelming

☐When is the right time
☐How much is enough
☐Cash flow / income and expenses = $'s in and $'s out
☐Pension choices and what's right for your family
☐Employer retirement plans - what to do with your 401K
☐Social Security planning and when to start
☐Medicare - alphabet soup of choices
☐Probability of retirement success - Monte Carlo
☐Goal tracking – are you ready to take that trip to Europe
☐What happens to your business next
☐Sources of income analysis
☐How to replace your paycheck for life

Protection

☐Erosion of purchasing power and the role of inflation
☐How to reduce market volatility with your investments
☐What does protecting your investments even mean
☐Is it feasible to maintain your nest egg and not risk it
☐How to protect your income sources
☐Is life insurance necessary in retirement
☐What does long term care insurance cover
☐What if you have to stop working early for health reasons
☐How do you protect those you care about the most
☐What does your current insurance do and is it enough

Taxes and Charitable Giving

☐You have enough, now what
☐Are you paying too much in taxes
☐What to do with a stock that has grown and not pay taxes
☐Gifting from your IRA to reduce taxes
☐Why do you have to take money out of your retirement account
☐Are there non-profits you want to support

Estate Planning

☐What can you do to help those you care about
☐You want to help your family now while you can see them enjoy it
☐What does a trust do for you
☐You have a will, is that enough
☐When your gone does it matter what happens and who cleans up the mess
☐How to avoid dis-inheriting your own children

Inter-Generational Planning

☐Can you be more generous with your money
☐Account ownership and beneficiaries - what does it all mean
☐Sandwich generation woes / helping mom, dad and the kids without hurting your plan
☐What about that family member that can't handle finances
☐You want to help my kids or grandkids with education
☐On a scale of 1-10 what level of dysfunction is in your family
☐Your kids need to understand the plan
☐How can you help your family now and in the future

Perks of Working with Us.

• Sounding board – we can help your family and friends with no pressure
• Collaborate with your accountant, attorney, banker and other professionals
• State of the art online banking tools
• Events - fun, educational, and relevant
• Exceptional and compassionate team of experts - each team member has a specialty
• We are here to guide you through it.
• Un-anticipated and anticipated transitions (divorce, job loss, career change, illness, care taking, loss of a loved one)