Services

Financial planning is our foundational service and how we begin all new client relationships. This process is about improving how you interact with money. We provide support through these key values; proactivity, objectivity, education and accountability.

-We begin by understanding and developing your goals, what is important to you. Where are you trying to get to, your Why?

-From there we find out where you are at today, working through all facets of your financial life. Collaborating within your personal financial planning website.

-Then we work together to develop a plan that reflects your goals. This includes education and initial recommendations.

-From there we get into a process we refer to as "What If?" ing, where we begin to look at various things that may change in your financial plan and the anticipated impact of those changes.

-Ultimately, working through this process brings us to a point of partnership where we can readily make navigational adjustments moving forward. We work very intentionally to make ourselves available to provide timely and relevant advice on a move forward basis.

If it has a dollar sign ($) on it, we should be assessing it!

Key Areas of Evaluation:

-Retirement Planning

-Cash Flow and Savings

-Tax Planning

-Employee Benefits

-Stock Concentration Risk

-Risk Management (Insurance)

-Estate Planning 

-Charitable Giving

-Business Planning

-Education Expense Planning

-Real Estate Planning

Investment management services are made available to financial planning clients. Financial planning precedes investment management to ensure investment management is done well.

Just like when you go to see the doctor, where you would expect evaluation and diagnosis, prior to any course of treatment or prescription. We firmly believe good planning drives better investment outcomes.

In the context of your plan, this service begins with a risk tolerance assessment and review of best investment platforms and portfolio options. 

Fundamentally we believe strongly in diversification and that holding equities (stock) long term is a great way to stave off inflation and increase purchasing power over extended periods of time.

We often find that one of the great benefits we provide in this service is prudently encouraging and facilitating greater levels of stock exposure.

We combine both passive and active investment strategies, based on evaluations as to where we believe paying for active investment selection is worth the associated cost.

For most portfolios, especially retirement portfolios we favor exchange traded funds (ETFs) and mutual funds over individual securities. 

Investment management services account for our time, expertise and execution. We continually screen investment choices on behalf of our clients. We spend significant time studying and researching economies, markets and taxes. This experience and discipline is applied personally to your needs.

This service includes:

-initial allocations

-discretionary management

-portfolio rebalancing

-tax loss harvesting