OUR SERVICES
Our Process
DISCOVER
We start by listening. In this phase, we learn who you are, what you value, and what you hope to achieve — financially and personally. Through meaningful conversations and data gathering, we build a clear picture of your current financial life, uncovering the opportunities and challenges that will shape your plan. This is about trust, clarity, and a solid foundation.
DESIGN
With your goals in focus, we develop a personalized strategy tailored to your needs. We evaluate your savings, investments, retirement readiness, risk exposure, tax efficiency, and cash flow, translating them into an actionable roadmap. Our plans are clear, adaptable, and built to grow with you — so you can move forward with purpose and confidence.
DELIVER
A great plan only matters if it’s set in motion. We take care of the implementation — handling logistics, paperwork, and coordination — so your strategy becomes reality. But we don’t stop there. As life unfolds, we proactively monitor, adjust, and advise to keep your plan aligned and on track.
Our SERVICES
ASSEt management
The process of portfolio management is highly individualized and should not be though of as pre-packed. Our purpose is to generate solid risk-adjusted returns, and to properly align the level of volatility with the objective of each particular account.
Our steps to effective investment management:
- Draft the Investment Policy Statement (IPS)
- Determine income & cash flow needs
- Design the growth strategy
- Design the income strategy
- Assess risk level and adjust accordingly
- Monitor and benchmark account performance; on an aggregate and individual holdings level
- Monitor tax efficiency
FINANCIAL PLANNING
We customize a plan that integrates our client’s objectives within a larger, overall financial strategy. We evaluate each client’s income and expenses, net worth, liquidity, college savings, investment approach and performance, retirement planning, tax efficiency, and estate planning. Once the financial plan is drafted and reviewed, we serve as an important conduit to client’s other advisors, and our trusted partners, to implement the various action items. Client meetings offer an opportunity to review investment and planning results, discuss non-financial issues and consider life events that could have an impact on a client’s financial priorities.
- Cash flow analysis and budget management
- Debt analysis
- College savings strategies
- Retirement Planning· Retirement Income Illustrator
- Wealth Protection· Full insurance review
- Tax Planning
- Estate Planning Review
- Family Affairs· Education and financial literacy for client’s children
Employer-Sponsored Retirement Plans
We provide consulting and implementation services to small businesses; plan design, installation, fiduciary oversight , asset management, and employee education and planning. Our goal is to improve performance, lower fees, and to minimize the administrative burden. Our corporate retirement plan partners include many of the best platform sponsors and Third Party Administrators (TPAs) in the industry.
- 401(k) /Profit Sharing
- Solo 401(k)
- 403(b)
- SEP and SIMPLE IRAs
- Cash Balance Defined Benefit Plans
Risk Protection
Most people work very hard to build wealth, few take the time to properly protect the assets that they do have- or will need in the future. Building a solid financial foundation means being prepared for the unexpected. No amount of financial planning can prevent a debilitating injury, premature death or natural disaster. But the proper insurance coverage can make the difference between financial harm and stability.
We work with you to identify any coverage shortfalls in the areas of:
- Life insurance
- Disability income
- Long term care
- Property & casualty
- Health insurance
- Personal & professional liability.
Diversification and asset allocation strategies do not assure profit or protect against loss.
Tax Planning
Understanding tax strategies and managing your tax bill should be part of any sound financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts.