Our clients want more than just help with their investment
selection, or to be sold the “product of the day.”
Our clients want more than just help with their investment selection, or to be sold the “product of the day.” A significant percentage of our clients are former “do-it-yourselfers” who appreciate our objective, fee-based approach to financial planning*.
Our typical new client is an individual, family or business with financial assets in excess of $100,000, with one or more of the following concerns:
How can I take full advantage of tax reduction strategies?^
We use customized strategies to navigate marginal income tax, capital gains tax, estate tax, future income tax paid by spousal or child beneficiaries, and the application of Net Unrealized Appreciation in employer retirement plans. We coordinate with our clients’ tax advisors for successful implementation of our strategies.
Can I develop an easy to manage approach that satisfies cash flow needs throughout retirement without running out of money?
Our process considers comprehensive tax-saving^, risk tolerance, life insurance protection, and variability of cash flow needs during retirement.
How can I reduce risk?
We employ customized asset allocation strategies that consider cash flow needs, mortality risk, pension and social security income sources, rental real estate holdings, and other income sources both before and after retirement. Additional strategies are utilized to help hedge risk for undiversified portfolios with concentrated positions in a particular asset class, business or stock.
I want to simplify my financial life.
Our methods for customized financial planning* may lead to an easy-to-manage, simplified financial life.
How can I protect assets from expenses due to extended periods of care, unnecessary taxation at death, and spendthrift problems created when unprepared beneficiaries receive large lump sums of money at a client’s passing?
Through the processes we use, and through coordination with our clients’ legal advisors, we work to accomplish our clients’ comprehensive asset protection objectives.
