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Our Solutions

Our approach focuses on what is important to you.

As your financial quarterback, we develop effective strategies tailored to your specific objectives, and we actively work with other professionals serving you. This is part of a comprehensive wealth management solution that includes both Financial Planning and Investment Management.


Family lying in a field

Investment Management

In conjunction with the financial plan we develop for you, we manage your financial assets and other investments. This means not just buying and selling investments in the stock market, but devising a long-term strategy that you are comfortable with to meet your specific investment objectives.


Investment Philosophy

We invest in baskets of stocks, bonds and alternative assets to produce a diversified portfolio tailored to you. By investing in baskets of investments as opposed to single stocks, for example, we decrease the overall portfolio risk and enhance return potential.

Asset Allocation

Our clients’ financial plans drive the investment decisions. We work closely with you to determine the best mix of stocks and bonds that will maximize your probability of success while also ensuring you feel comfortable with your investment portfolio – both in good and bad markets. 

Asset Location

Placing specific investments in certain accounts can save you money on taxes and maximize your chances of investment success. For example, we attempt to place the fixed income investments in tax-advantaged accounts (e.g. IRAs, 401k, commission-free tax-deferred annuities), and the equities in taxable (Individual, Joint) and tax-free (Roth IRA) accounts.

Tax Loss Harvesting

This is a very important tax strategy, especially for high-income earners, to be able to reduce their tax bill. In short, it is selling investments at a loss due to market dips or sell-offs, replacing them with similar (but not identical) investments, and using the losses to offset future gains and/or income.

Share Class Conversion

As an advisor, we have access to lower cost shares of the same investments you might be holding in a retail account. For example, you might be paying 0.72% for the retail shares but only 0.47% for the advisor shares, saving you about 35% in investment costs! Over the long term, the savings can add up to a lot of money that you can use to meet your goals.

Variable Annuities

When you’ve maxed out all retirement accounts through work, a variable annuity is a great place to save more money and to continue saving on taxes. The right annuity is a great addition to your portfolio. We do not sell annuities, but we work with providers who focus on low fees, no commissions, and no M&E (mortality and expense) charges, allowing you to keep more of your hard earned money.


Financial Planning

As your financial advisor, we will take a comprehensive view and prepare a written analysis of your financial situation and objectives based on any or all of the following planning topics:

Older couple hiking up a mountain.


Retirement Planning

Entering retirement with confidence is about more than managing investments. It’s about tailoring a plan to help you reach your goals, so you can spend your time doing the things that matter most to you. We help you navigate financial decisions today, so you can retire with peace of mind.

Tax Planning

We carefully analyze your tax returns and work with your trusted tax professional to determine where you might be overpaying. It’s through this analysis that we can uncover strategies to help you reduce your tax bill. By uncovering tax saving opportunities, you get to keep more of what you earn.

Insurance

Minimizing financial risks to you and your family is accomplished by carefully determining how much insurance coverage you need. We help you proactively plan for the unexpected by giving an independent view of the options you have for things like long-term care insurance and life insurance. Because we do not accept commissions, you can rest assured that we will recommend only what meets your individual needs.

Education Planning

Planning for the education of your children or grandchildren can be done through efficient saving. We help you create an effective saving and investment strategy for your loved ones’ future education costs.

Estate

Protecting your wealth is just as important at the time of your death as it is during your life. Whether you simply want efficient generational transfer of your money, or you desire to continue the stewardship efforts you built during your lifetime, we can help to ensure your wealth lives long after you.

Charitable Gifting

We are passionate about helping you live your mission and achieve your philanthropic vision. Whether you seek to leave a philanthropic legacy, or simply want to plan for a lifetime giving strategy, we maximize the impact of your giving by helping you give more to the causes you care about. We implement strategies to give tax-free or to maximize your tax benefits.

Cash Flow

We help you discover how your future goals are impacted by how you spend your money. Making consistent progress toward financial independence is a key factor in the success of your long-term plan. We work with you to determine how much you need to save to stay on track for meeting your financial goals.

Employee Benefit Analysis

We review your employer benefits to understand how we can maximize them for you. From 401(k) matching, to pension plans, to stock option agreements, there is usually something that we can take advantage of. If you are a small business owner, we can also help you establish retirement plans for your company.

Fee Schedule

1.20%

on the first $1,000,000

0.85%

on the next $1,000,000

0.75%

on the next $3,000,000

0.50%

over $5,000,000

Annual Retainer

Our clients pay us an annual advisory fee on a retainer basis. The fee is a percentage of assets under management, paid quarterly in arrears based on a tiered schedule. Minimum fees apply.