We strive to make a complicated process simple. We use a three-step process to create a comprehensive plan for clients’ financial future.

Our focus is on protecting the wealth one has acquired throughout their lifetime. We work closely with a network of renowned estate planning attorneys and CPAs in to provide clients with access to a variety of services and professional advice.

Fee Based Asset Portfolio Management

Asset management is the process of developing, operating, maintaining, buying and selling assets in a cost-effective manner. Investors like the assets under management fee model.  Advisors get paid more when their client’s portfolio increases in value, and less if their client’s portfolio has decreased in value. Fees can be deducted from their accounts rather than billed. Fees based on assets under management can be tax deductible.

Tax Efficiency

Tax efficiency is is an attempt to minimize tax liability. A financial decision is said to
be tax efficient if the tax outcome is lower than an alternative financial structure that achieves the same end. Tax efficiency refers to structuring an investment so that it receives the least possible taxation. There are a variety of ways to obtain tax efficiency when investing. Tax-Deferred Retirement Accounts, Tax-Free Accounts, Capital Gains/ Losses and Irrevocable Trusts are strategies for achieving tax efficiency. Investors in high tax brackets are often more interested in tax-efficient investing because their potential savings are more significant.

Risk Management

A risk profile is an evaluation of an individual's willingness and ability to take risks. It identifies the acceptable level of risk an individual is prepared and able to accept. A risk profile is important for determining a proper investment asset allocation for a portfolio. Risk in this sense refers to portfolio risk. This risk can be thought of as the trade-off between risk and return, which is to say the tradeoff between earning a higher return or having a lower chance of losing money in a portfolio. Risk profiles generally begin with a risk profile questionnaire. All risk profile questionnaires score an individual's answers to various probing questions to come up with a risk profile.

Retirement Planning 

Retirement planning is the process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Early planning for retirement is critical because it typically takes many years to accumulate the necessary funds to live comfortably when you no longer have a salary. Retirement planning includes identifying sources of income, estimating expenses, implementing a budget and managing assets. When planning for retirement it is important to have other income sources to supplement social security.  Other concepts such as life expectancy and long term care need to be identified when building a plan for a quality of life.