Your Life, Your Plan: Navigating Every Stage Together
From managing your investments to planning for life’s uncertainties, we’ll create the roadmap that empowers you to retire with confidence and live life to the fullest.
Our Approach to Financial Planning
Your financial journey isn’t just about numbers and charts, it’s about your unique story, hopes, and aspirations. That’s why we offer individualized financial planning that takes into account all aspects of your life to help you live it the way you want.
Whether you’re planning for retirement or running your own business, we provide everything you need to pursue financial freedom – all in one place.
PLAN
A Well-Developed Plan For Your Needs.
We take the time to organize and account for all elements of your financial picture to create a plan that makes sense for you. This approach allows us to identify and implement the most beneficial strategies for reaching your goals. While life is full of unexpected changes, we work with you to build a plan that can adapt and evolve with you.
INVEST
Clear, Straightforward Investing for the Long-term.
If someone tells you that they can consistently time the market we suggest that you don’t walk away, you run. Rather than claiming something that few (if any) can do, we believe that long-term investing in strong companies is likely a better approach.
ADAPT
Ongoing Advice to Navigate Life’s Changes.
We provide ongoing advice to help you adapt to all of life’s twists and turns. As your goals and circumstances change, we’ll be in your corner to help you adjust your plan and stay on track.
What We Do & How We Do It:
If you’re like most people, you’ve likely accumulated a variety of financial products over the years—IRAs, 401Ks, , life insurance, and more. However, how often have you had someone look at your entire financial picture to determine if you have what you need and that everything works in harmony? This holistic approach is at the core of our financial planning philosophy.
Our investment philosophy is simple: we believe it’s impossible to consistently predict the economy, the markets, or future investment performance. Instead, we partner with experienced investment managers who have a proven track record of success in creating diversified portfolios made up of strong, reliable companies.
Life is ever-changing. From welcoming new grandchildren to adjusting your retirement timeline or selling a business, unexpected events will continue to arise. We provide guidance not just as a one-time solution, but as an ongoing partnership, helping you continually update your financial plan to navigate each twist and turn that life presents.
We love working with clients on their charitable giving goals. Common strategies we utilize for clients to maximize tax savings include: Donor Advised Funds, Qualified Charitable Distributions, and the gifting of appreciated assets.
We understand the importance of not outliving your money. Our strategic planning approach is designed to help address this concern and support you in feeling more confident about your financial future.
Neglecting to address the future of your finances after your passing can place a considerable strain on your loved ones. We collaborate closely with you and your legal advisors to create a thoughtful plan that distributes your money according to your wishes, offering reassurance and making the process smoother for your loved ones..
Few people enjoy paying taxes, and even fewer appreciate paying unnecessary ones. However, the reality is that you might be overlooking valuable opportunities to reduce your tax burden. Our actionable tax planning strategies can help you identify and seize these opportunities, ultimately leading to significant savings.
Life is undeniably filled with risks. We will collaborate with you to either mitigate these risks or prepare for them by exploring various investment philosophies, as well as life, health, and long-term care insurance options.
Determining the optimal time to start receiving your Social Security benefits can feel like a challenging dilemma. With so many variables to consider, it can be difficult to pinpoint the right moment. We’ll break down the numbers for you and help you determine the timing that may provide the greatest advantage for your financial situation.
Navigating Medicare can be complex, but we simplify it for you. Our services offer personalized guidance on options like Original Medicare, Medicare Advantage, and supplemental coverage. We assess your needs, budget, and eligibility to create a tailored plan that maximizes your benefits.
Our Process
Introduction
Before committing to working together, a brief 15-minute phone call will provide an opportunity for both you and our team to assess whether your financial needs align with what we offer.
Discovery
The main goal in this step is to thoroughly understand your goals, concerns, and unique financial situation. Providing the financial profile with our Asset-Maps tool along with any supporting documents will greatly assist us in this discovery process.
Design
We’ll leverage our extensive experience and credentials to provide insights on key questions such as:
- Can you help me organize and simplify my financial life?
- Can I afford to retire?
- What are my primary risks in retirement?
- Which investment portfolio suits my needs best?
Implement
We’ll walk through your personalized financial plan in clear, easy-to-understand language, and explain exactly how to put it into action. If you have any questions about our recommendations, we can discuss them at this meeting. When you’re ready to move forward, we’ll handle the paperwork to get started with our partnership.
We Get the Picture.
With so many moving parts, keeping track of what’s happening with each account can be challenging. That’s why we use our Asset-Maps to provide a comprehensive overview of your financial situation. This tool helps us identify how well your financial assets are working together and highlights any areas where they may not be aligned.