We offer financial solutions to help you with life’s biggest questions. Whether you’re preparing for retirement, raising a family, running a business or all the above, we have the strategies and the know-how to help.
Comprehensive, fee-based financial planning
In a fee-based financial planning relationship, we’ll work with you to create a plan specifically tailored to your unique situation, touching on all facets of your financial world. You are provided with a written, comprehensive plan, complete with customized recommendations and in-depth, thorough analysis. You’ll also have optional access to a client portal, which links all of your assets and liabilities in real-time, regardless of where they are. This allows you to see your entire financial picture in one place whenever you need to.
Investments and asset management
A strategic approach to investing focuses on building a portfolio with a level of risk and reward that’s appropriate for you. It’s a complex, ever-changing task that calls for the knowledge, judgment and independent perspective we can offer. We help our clients choose from a wide variety of asset managers and utilize mutual funds, exchange-traded funds, separately managed accounts, ESG (Environmental, Social and Governance) funds, sustainable investment portfolios and more.
Having solid strategies in place to help you prepare for the unexpected only enhances your financial health. We offer insurance options specifically tailored for you and your loved one’s needs, including life insurance, long-term disability insurance (LTD) and long-term care insurance (LTC). In addition, we can help you create guaranteed income streams for retirement with fixed, variable and indexed annuities.
You work, save and build up assets over your lifetime. Estate planning helps ensure that what happens to them isn’t left to chance. Whether it’s a focus on speeding up probate, minimizing estate taxes, charitable inclinations or generational wealth transfer, tailoring your estate plan far before you think it’ll be an issue is a critical step to take.
Identifying an effective gifting strategy is important for both you and for the charity you support. Developing a thoughtful, long-term approach for charitable giving can help you maximize the impact of your donations.
Disclosure: Separate from the financial plan and our role as financial planner, we may recommend the purchase of specific investment or insurance products or accounts. These product recommendations are not part of the financial plan and you are under no obligation to follow them.
An annuity is intended to be a long-term, tax-deferred retirement vehicle. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59 ½, may be subject to a 10% federal tax penalty. If the annuity will fund an IRA or other tax-qualified plan, the tax deferral feature offers no additional value. Qualified distributions from a Roth IRA are generally excluded from gross income, but tax and penalties may apply to non-qualified distributions. Please consult a tax advisor for specific information. There are charges and expenses associated with annuities, such as deferred sales charges for early withdrawals.
Financial Professionals do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation.