When We Can Help

We have the expertise to drive your financial plans in any of the following areas:

Investments and Asset Management:  We create and execute investment plans involving stocks, bonds, mutual funds, and other options¹. Not only do we consider the investment tool that is best used to meet our clients’ goals, we also consider the specific vehicles that best meet the objective for the client. We can personally manage your portfolio or assist in the hiring of third-party managers, depending upon the need.

Estate Planning:  Through our association with several legal advisory teams and local attorneys, we assist our clients in creating plans that provide for their lifetime care, for easy access to their assets, and for worry-free distribution of their assets to heirs and benefactors. We also help our clients maximize the value of assets transferred to their heirs and minimize the impact of taxes on the estate. Our approach is a long-term view, not only working within current law, but also anticipating future possible events in the decades to come through multi-generational planning.  

Retirement Planning: From starting a retirement fund and maximizing your tax-deferred investments to managing the distribution of assets when you stop working, retirement planning can span decades. In fact, retirement itself can last decades...which makes the success of the planning extremely important.  Proper management of your nest egg has never been more crucial that it is today as longer life spans and more active lifestyles put tremendous pressure on traditional retirement income.

Tax Reduction: This is our specialty.  We research, explore, and consider all the tax implications for every action we propose or execute. The tax issue is always in the background of the transaction. By knowing the rules, we almost always can reduce or eliminate taxes through investment selection, how the property is titled, use of trusts,or a variety of other tools depending upon the goals of our clients. 

Tax Preparation and Analysis: For our clients who are tired of preparing their own returns or would like a more coordinated approach, we offer tax preparation and analysis. By combining tax preparation with investment selection and management, we can often minimize preparation time and insure the tax efficiency of investments, as well.

Insurance and Risk Management: In reviewing the total picture for our clients, we attempt to uncover potential risks that could prevent the achievement of our clients’ goals. These risks include the more traditional concerns such as death, disability, or illness. However, our reviews go far beyond the traditional concerns to include asset valuation, lack of diversification, income protection, job security, and others. Through evaluation of these risks, recommendations are made to insure against their occurrence or to absorb the risk.

1. Securities offered through Foothill Securities, Inc. or TD Ameritrade, Members FINRA, SIPC