Our Services

Financial Planning

  • We are your financial advocate.
  • We take the time to understand what you want out of life – for yourself and, for your family.
  • We employ a comprehensive planning approach combined with sophisticated technology in an effort to enhance your results and help you with your financial goals.
  • We have years of experience collaborating with clients. We believe your financial information should be organized, up to date, easily understood and accessible to you whenever you want, from wherever you are.
  • We understand that unexpected events and life changes can and will impact your dreams.
  • We monitor and track your progress every day and adjust your financial plans along the way.
  • As your financial advocate, your success is our success.

Portfolio Management and Analysis

We develop client investment portfolios that are tailored to your goals and risk tolerance. We employ investment management plans that are built on the foundation of properly allocated and diversified quality investments to potentially preserve and grow your wealth.

The core of our practice centers on the use of professionally developed and managed portfolios that seek to address your goals and allow you to focus on living your life rather than spending your time managing your investments.

Where appropriate, we can manage customized portfolios that can build upon investments you may already own but provide oversight to ensure appropriate diversification* while also allowing us to engage in forward thinking strategic investment management selection.


* Asset allocation and diversificaion cannot assure a profit or protect against loss. Diversification does not protect against market risk.

Retirement Planning

When do you want to retire? What does your retirement lifestyle look like? How much will it cost to maintain your standard of living? How much do you need to accumulate to be able to retire the way you want? How can I get there?

These are the questions of retirement planning. We can help you answer these questions, both by helping you develop your retirement dream and determining how to get there. We employ sophisticated and thorough planning tools to analyze your current situation, project various scenarios and help you gain the confidence that you are on track, or what changes need to be made to get you there.

Retirement Income and Income Management

You've spent your entire working life accumulating wealth, but retirement brings a whole new challenge. How do you convert your assets into income streams and how can you be confident you won't run out of money before you run out of life?

We provide guidance on developing an income management plan using a variety of strategies. As your advisors we will help you move from generating a paycheck to using your investments to generate income to allow you to live the retirement you desire.

Risk Management Solutions

Life Insurance

Would your spouse or family be financially secure in the event of an untimely death? Do you think you may need life insurance but don't know how much or what kind? Assessing this risk is a key component of any financial plan. We can help you determine and quantify the financial risks to your family so that you can implement a cost-effective strategy to protect your family.

Life insurance isn't just for families with young children. Insurance can be an asset that can complement retirement plans and pension maximization strategies. Life insurance can also play a role in estate plans and tax minimization strategies.

Long-Term Care

One of the biggest risks to the wealth you have created is the possibility of a health care event that will require significant income to allow you to receive quality care with dignity. The emotional impact of such an event is only compounded if you have not developed a financial plan to pay for such care so that your loved ones will not be burdened. We will assess these risks and share strategies for providing and paying for long-term care.

Tax Strategies

No one likes to pay taxes, but as the saying goes, it is one of the certainties of life. However, you do not need to pay more taxes than required by law. We will work with you to educate you on various tax-deferral and minimization strategies. In consultation with tax and legal professionals, we can help you minimize your tax burden and avoid tax mistakes. We can assist you in evaluating various tax strategies including:

  • Tax deferred and tax-free retirement plans
  • Tax advantaged college savings plans
  • Capital gain/loss management strategies
  • Estate tax planning approaches

Education Planning

Our children are one of life's greatest assets. We all seek to provide a solid foundation for their future so they can lead independent and productive lives. But, accumulating the assets to provide an opportunity to achieve a college education is a daunting financial task. We can help you assess these costs, define realistic objectives and implement college savings plans.

Estate & Legacy Planning

Preserving and efficiently passing wealth from one generation to the next can be a complicated task. None of us wants to think about our demise, but we can help you define your wishes and inform you about mechanisms for passing on your wealth. Failing to plan for this event can be a costly burden in time and money for your loved ones. We will coordinate with tax and legal advisors to help you develop appropriate wealth transfer plans to achieve your goals.