We offer many services for our clients, click on a topic below to view more information

Wealth management is an all-encompassing process that reviews tax planning, risk protection, portfolio management, college funding, retirement planning and estate planning.  We review all strategies from a fiduciary point of view to ensure our clients have a clear understanding and knowledge of their financial situation.   We spend a significant amount of time getting to understand their goals and how we can work together to create financial success. 

We have our own copyrighted tax rebalance software.  This tool helps to maximize our after-tax returns when taking into account current taxable income and long term capital gains.  We review all accounts to confirm effective applications across different types of investment accounts (Taxable/IRA/401k/Roth) based on the current tax code.  During this process we take into account our clients aggregate risk temperament to verify that our clients are not taking on more risk than they desire.

In each meeting we will review current and proposed tax legislation and how these changes could affect clients, their families or their businesses. It's not about what you make, but what you keep.  We find it critical to make sure the tax planning process fits in with the primary CPA relationship.  We welcome a collaborative approach. 

The planning process is a critical component to give clients the assurance that they will be able to meet and exceed their financial goals for themselves and their family.  Our client will have access to the interactive planning software to review and build out separate retirement scenarios if desired. 

One of the most important topics to review is the current and future cash flow.  How does a pension, social security, non-qualified deferred compensation plan and other sources of retirement income become part of retirement cash flow planning?   We build custom portfolios to meet the clients’ unique needs based on their lifestyle.  One of most common questions we are asked is “will we have enough money to last through retirement?”  This is a key focal point for us to address in our process.

  • Assessing risk is a crucial part of a comprehensive plan. This is done by understanding which risks to transfer out, and which to take on.
  • Disability Insurance: A financial plan is driven off of cash flow or income, which can often be protected through employer benefits, and supplemented through private policies.
  • Life Insurance: Protecting your family in the event of an unexpected passing helps ensure those who depend on you financially can repay debts, replace income, and continue to save for future goals.
  • Long-Term Care Insurance: When you no longer have the ability to care for yourself, Long-term care insurance helps pay for others to assist you with the care you need, whether it be in or outside of your home.
  • For our client’s, family is the most important aspect of their lives. It is integral for us to understand their wishes in regards to family legacies, completing charitable gifts and establishing endowments.   We will work with clients and their estate planning attorney to review and revise wills and trusts if required or requested.

    Maintaining an asset allocation strategy on an individual account level attempts to maximize performance for that particular account, but does nothing to have multiple accounts work together in a tax-efficient manner.  By adjusting the asset allocation for each tax-type, by over-/under-weighting certain asset classes, the aggregate should result in less taxable income while maintaining the same overall risk tolerance.          

    With this strategy:

  • Roth IRA investments should be allocated somewhat more aggressively because of the tax advantages offered on the earnings.  Asset classes with large potential growth would be used here.
  • Non-qualified investments should produce less ordinary taxable income, unless ongoing dividend income is desired.  This means that the investments should be more growth-oriented, for example in domestic and international growth stocks.
  • IRAs and other qualified plans (401(k), 403(b), etc.) should fill in the gap on what’s not covered by the previous two categories.  This will generally mean that your qualified accounts would contain more bonds and fixed income investments.