Services I Offer

Investment Management and Personalized Portfolio Construction

If you have questions about investments and want a professional’s input on how to construct a portfolio specific to your needs, I can help you with that. This includes analyzing available investments, identifying your personal goals, and selecting investments designed to fit your personal risk tolerance and preferences.

Retirement Planning

This includes how much you should save to maintain your preferred lifestyle and how to prepare for the challenges of retirement, such as planning for medical costs and maximizing your social security benefits. It also includes personalized strategizing on what type of retirement accounts are most appropriate for you personally and how to maximize the benefit you receive from both accounts and the investments within them.

Insurance Needs Analysis

Creating wealth is often the first objective of clients I work with, but once we have created it, we need to protect it. This is where a thorough analysis of your insurance needs specific to your family and life situation becomes especially helpful in protecting the hard work that has gone into creating your wealth in the first place. This includes helping you and your family understand the potential tax, investment, and protection advantages of different types of insurance including life insurance, disability insurance, and long-term care insurance.

Workplace Benefits Analysis

For most of us, our first introduction to investment planning is through our workplaces and our workplace benefit programs. By partnering with you to review and analyze your benefits I can help you decide if an HSA will be advantageous to you, how to help you maximize the advantages of both Roth and Traditional 401k accounts, and help you understand your insurance coverage as well as how to maximize the advantages of these benefits to you and your family. This also includes understanding employee stock ownership/option programs, deferred compensation plans, and restricted stock units, as well as how to manage and plan for those benefits to maximize their value and minimize unpleasant tax surprises.

Estate & Legacy Planning

We all want our wealth to accomplish something for us in our lives, ideally it will also help us leave a legacy, either for our families or for the causes that are important to us. I can help you plan for that legacy by coordinating with you and your family to understand how you want your assets to be treated, assist your heirs with the inheritance process, facilitate family conversations around finances, and, if you choose to utilize a trust, ensure your investment assets are titled accordingly.

Charitable Giving

Often, we think of charitable giving as about one off donations or credit card charges to the causes and charities we support and yet there are many ways we can support the causes we believe in. Charitable contributions, when taken as an element of investment planning, can offset tax burdens in high income years. Charity specific investment accounts can also help maximize the impact of your contributions in supporting what matters most to you and I can help you navigate which types of accounts are most appropriate for your intended methods of contribution and support.

Business Planning

Most business owners I’ve met tend to think of their business as their retirement, but that doesn’t mean that intentional strategies around business succession planning and buy sell agreements can’t make a big impact on how good of a retirement you get. Business owners can benefit from a financial professional not just in terms of planning for retirement years but also as an advisor on the nuances of unique retirement accounts themselves. Determining the types of benefits you want to provide employees and understanding the costs associated with each is also a benefit of connecting with a financial advisor.

Ongoing Investment Planning

Life happens, for both good and bad and having a professional in your corner can go a long way to making life’s financial surprises both easier and more rewarding. I can help you plan for and manage things like performance bonuses, caring for aging parents, analyzing potential career changes, making a large purchase, selling a business, planning for a work sabbatical or extended absence, and much more.