If you’re looking for a firm that will focus on your individual needs, and always treat you like a client who matters, look no further. Our firm is large enough to offer a full range of professional services, but small enough to give you the individual attention that you deserve.
We will thoroughly and conscientiously study your personal situation, and tailor our advice to your specific needs.
General Financial Planning
Based upon information provided by the client, cash flow and net worth statements are prepared, long-range projections are calculated based upon current circumstances, and recommendations are made based upon those projections. Insurance protection is analyzed and recommendations are made based upon that analysis. All this information is then compared to show you where you are now and where the recommendations will take you on the road to financial security. This service is most valuable to individuals prepared to implement a long-range financial plan to carry them on the road to college expenses and retirement.
An analysis of investments is prepared based upon the information provided. Recommendations are made based upon that analysis and products are then recommended to fulfill stated goals. This service is provided for non-qualified investments, 401(k) or 403(b) accounts, IRA’s, and most other investments available to individuals. This service is most valuable to those people with a lump-sum distribution to invest, whether qualified or non-qualified, or those already involved in a long-range money accumulation program.
Life, disability, and medical insurance are analyzed in conjunction with work benefits to determine the most cost effective products to use to guarantee long term financial security to you family in the event of unexpected circumstances. This service is of great value to almost all stages of life.
Various factors including social security, pensions, investments, 401(k) and IRA accounts are analyzed in relation to retirement lifestyle goals and debt to best determine what choices need to be made in leaving the work force and settling into the retirement years. This service is of most value to those within five years of retirement.
In conjunction with retirement planning, provisions need to be made for the transfer of an estate to the next generation. Circumstances including total net worth, insurance, qualified and non-qualified investments are analyzed to prepare a plan best suited to the individual’s needs and desires for that transfer. Wills, trusts, and various other aspects of estate planning are discussed and analyzed. This service is of most value to retirees and should be used in conjunction with retirement planning; however, could be of value to any individual at any age with an above average net worth.
Tax Preparation and Planning
Yearly preparation of individual tax returns and recommendations made based upon those returns. If requested a total analysis of tax reducing strategies can be made to help restructure and lower the overall tax liability of the client. This service is of value to all people in all walks of life.