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OUR SERVICES

 
 

Managing Company Retirement Plans

Our advisers work with business owners to establish and manage their 401(k) and other retirement plans. We serve as fiduciaries to both business owners and plan participants, providing high levels of service and advice for a competitive fee. We coordinate all service providers to deliver an integrated experience for business owners and plan participants.


Your Business an Essential Asset

We help you incorporate your business as an essential part of your financial plan and investment strategy. Often the business is by far the largest asset and it must be managed as one of the essential pieces of the comprehensive financial plan, as well as estate and succession plans.


Business Succession Planning

One of the most important decisions a business owner can make is when, how and to whom a business should be sold or transferred. Through our industry relationships and expertise, we help owners identify and improve the key drivers of value. This can enhance the net proceeds from a sale or increase ongoing cash flow from the business. We also help guide the process of selling a business to support your decisions in this important area of your finances.


Financial Planning

We help clients create realistic, long-term financial plans. Using state-of-the-art software, combined with our years of experience, we guide clients through the financial planning process, making it easy and understandable. Each client’s financial plan becomes a personal guide for making effective, long-term decisions.


Retirement Projections

We work with clients to project income and expenses leading up to and during retirement. We take many factors into account (healthcare, travel, transportation, housing, daily living, Social Security, rates of return) to ensure that our calculations are as accurate as possible. Knowing now whether you are on track for your retirement goals gives you time to make adjustments if necessary and also gives you confidence during retirement that your plans are sound.


Investment Management

Our portfolios are customized to each client’s needs and risk level. Based on our proprietary research, we develop and monitor a careful selection of investments that are approved for use in our clients’ portfolios. We manage the composition of clients’ portfolios over time, taking into account cash disbursements and deposits, normal rebalancing and ongoing research.


Estate Planning

We help clients create effective estate plans. These range from simple guardianship and beneficiary selection to advanced strategies for reducing estate taxes. We can work with your attorney or one we recommend to develop a new estate plan or review your current documents. The goal is to make sure you have a solid estate plan in place to care for family members and efficiently transfer money to those you select.


Tax Planning

We help clients reduce their tax bills by using tax efficient investments and by allocating investments into taxable, tax deferred or tax-free accounts. We utilize retirement plans whenever possible, take advantage of tax-free exchange rules and, when needed, use losses to offset gains from selling appreciated securities. We also help identify strategies to reduce the amount of taxes paid when selling your business or appreciated real estate.