Individual Website

Our client login feature creates additional value by giving you access to a two-way software platform. This software has an advisor and client view with varying permissions to make changes. In addition to the wide array of client options, it provides us the necessary information required to make proper recommendations on client accounts. Whether said information comes through the goal-setting option, account linking feature or fact finding tool, each provides insight regarding the needs, goals and desires we will incorporate into your overall financial plan.

Goal Identification

There are many common financial goals and some that are unique to each client. Either way we put an emphasis on goal identification and prioritization, not only during onboarding, but on a continuous basis. Keeping current on your objectives and priorities is a foundational part to our process. It may initiate conversations relating to additional liquidity needs, altering time horizon or even risk tolerance re-evaluations to name a few.

Risk Tolerance

The old way of doing business involved setting up an account and creating a risk tolerance specific to that account. While this is still true to this day, we find it lacks focus on the big picture. What if we want to be more aggressive in some accounts and more conservative in others based on the tax efficiency of the underlying account? What we do is to build an overall risk tolerance to ensure we maintain focus on the big picture. In doing so, it provides us the flexibility to be more granular when it comes to the individual investments. We strongly believe this approach can help our clients to potentially maximize their investment returns.

Tax Diversification

Over the past several decades this concept has become a pillar in the planning process. Empowering our clients by educating them on tax efficient investing is another way that helps set us apart. We recognize each situation is different and not all investors will have access to the same types of accounts. That is why we continuously educate ourselves as to what is possible and available when it comes to the tax treatment of our clients’ investments. Please note we do not provide tax or accounting advice.

Savings & Expenses

Ideally, we would set a plan that works now and into the future. However, our clients know that isn’t realistic. That is why we assess your savings plan and expenses on a continual basis to identify pitfalls and opportunities that may arise. Our approach on forging and sustaining long term relationships with our clients allows us to update our recommendations and alter your action plan when necessary.

Insurance Evaluation

We can all benefit from some form of risk management. Whether you have life, disability or long-term care insurance, we can help you assess the health and/or benefits of your policies. We recognize these insurances are sometimes the savior and other times a burden. We believe our efforts to be informative and transparent will help protect you from the latter. The philosophy is simple… Educate clients to aide them in making the best decisions for them and their family. Through our years of experience and thorough process, we will help you determine the right balance between your insurance and investments.

Investment Analysis

Whether you are currently working with an advisor or plan to interview some, you should ask yourself what value they will bring to you over time. We trust our ability to analyze your investments from both a macro and micro view will allow you to better navigate the market.

Retirement Projections

Over time we have found that clients make the best progress when they are more aware of their current financial status. That is why we provide retirement projections and explore the impact on those projections based on different scenarios that may occur down the road. Ultimately, we are all responsible for the decisions we make. Our intention isn’t to persuade clients into any investment or decision. Our intension is to illustrate and explain the best options based on their stated needs, goals and desires.

Advanced Strategies

Our advanced strategies are not for every investor. They can be specific to a client’s current financial status and/or time constraints. Having said that, we present these strategies when we feel there will be a benefit to the client. Due to the vast scope and nature of our business, we concentrate our efforts on the ideas and solutions that are most relevant and time sensitive. When planning permits, we will walk you through our more advanced concepts.

• Multi-Generational Legacy
• Enhanced Retirement Split Dollar
• Business Gift & Estate Equalization

Scheduled Reviews

The frequency in which reviews are conducted are specific to the client. However, we highly suggest and will work with you to meet at least once annually. We often find ourselves in important discussions with clients based on a topic that wasn’t brought to our attention until the annual review. The more effort you put in, the more value we can provide.