As our daily lives demand more and more from all of us, it can be very difficult to find the time or have the expertise to gather and keep your financial house in order. We serve as your professional advisor, counselor and coach. Our role is to help identify financial goals, create and implement a plan of action and work to keep the strategies relevant as you pass through each stage of life.

Whether your goals include funding the education of your little ones, productive investment management, efficient tax planning or just broad wealth building, we have the skills to keep you on the right track.

Business Continuation and Succession  These are the plans that will facilitate the ultimate transfer of your business to the right people, at the right time and on the right terms. For many business owners, the business entity represents a major component of their net worth. Implementing well-designed succession plans allows the equity present in an on-going, successful business enterprise to potentially be maximized.

Personal and Estate Planning for the Owners and Members of the Executive Management Team  As a business owner, you have access to one of the best tax-shelters left in America – your business. We design plans that aim to leverage that position to efficiently build broad wealth while seeking to move your dreams for financial independence closer to reality.

Cash Reserves  Have you ever heard the maxim “Cash is king.”? Access to cash allows one to get through a “rough patch” but more importantly, it can allow one to maximize an opportunity. This is a cornerstone for any financial plan.

Medical Insurance  Without properly designed medical insurance in place, a lifetime of saving and investing can be wiped out in a very short period of time. One cannot achieve financial security easily without proper protection. We often refer to medical insurance as “bankruptcy protection”.

Disability Income Insurance  All of your hopes and dreams for the future will most often be facilitated by your income. Should you get hurt or sick, that income may stop, effectively short-circuiting those dreams for the future. A solid Income Continuation plan will deliver the cash needed to maintain your present lifestyle. Don’t leave home without it.

Life Insurance  Over our lives, strategies involving life insurance will evolve to address different needs and wants. Early in life, with a growing family, the security provided by life insurance can be invaluable for Family Protection. Over longer time frames, properly designed cash value insurance can become a very efficient accumulator of capital, especially as household incomes creep up from low income tax brackets to higher ones. Later in life, a well-designed life insurance program can be used to create tax-advantaged income, positioned to create estate liquidity or an effective gifting program.

Liability Protection  These are the strategies that, in the event of an accident, protect your assets and create pools of capital to cover liabilities. Home and Auto insurance policies often provide basic liability coverage. A Personal Liability Insurance “Umbrella” policy can be added to the program to strengthen this Risk Management Strategy.

Legal Planning  Though we are not attorneys and cannot write legal documents, we are well-versed in the relevant areas of law. The plans that we implement will often impact, or be impacted by, common legal documents that include Last Wills, Trusts and Powers of Attorney. Regular consultation with qualified legal counsel is a valuable component of any solid Risk Management strategy.

Wealth Accumulation and Income Security Planning. Of the two, Income Security Planning is fraught with risk and far more complicated. There is just no room for error. There are no mulligan’s given in retirement, no “do-overs”. You have to get it right the first time.

We have guided many clients through the planning process that allows them to live free from financial worry, knowing that an income plan is in place, that risk management is under control and that their legacy is secure.

Often, this is one of the more rewarding planning stages. In this phase of the planning process, we focus on not only preserving what you have accumulated from estate and transfer taxes but more importantly how to distribute your wealth at the right time, under the right terms and to the right people – those family members, friends, organizations and causes that are most important to you.