Building a Custom Plan to Address Your Financial Needs
The past 20 years has seen unprecedented levels of volatility in the markets. We have experienced the most significant market crash of the modern era, persistent geo-political uncertainty, and unpredictability in the housing market. Who knows what the next 20 years will bring. That's why we’re so focused on the importance of having a financial plan in place, allowing us to serve as a steward for our client’s investments.
A Team Approach with a Long-Term Vision: Our financial advisors follow a disciplined investment process which provides you with transparency, incorporates products designed to help you withstand volatility, allows for proactive service, and strengthens the trust and accountability you need to meet your financial objectives. First, we factor in your risk tolerance, liquidity needs, and your short-term and long-term goals. Then, we develop a personalized investment management strategy that seeks to mitigate risk and target the returns necessary to achieve your goals. Our advisors work in partnership with in-house investment consultants and top-tier Institutional Asset Managers to manage your portfolio daily, continually evaluating the efficacy of your portfolio. Depending on your personal situation and your concerns, our team can work with your CPA to identify potential savings or restructuring opportunities, providing you with proactive ideas to manage your taxes more effectively.
Financial Security Planning: Far exceeding the standard concepts of financial planning and retirement preparation, Financial Security Planning is about working to achieve short- and long-term goals, putting the framework together to support you throughout the NOW and the LATER, and helping protect the most important things in your life with insurance. As advisors, we work with you to create a plan that utilizes the best/most appropriate products and services for your unique goals, and is flexible enough to meet your changing needs.
The first step to achieving financial security is creating a strong financial strategy.
We will work together to prepare a plan that helps you:
- Strive for a secure, comfortable retirement (and/or minimize your current taxes)
- Pro-actively manage and control debt, from major purchases to preparing for a child’s post-secondary education
- Provide for your loved ones or heirs in the event of death, disability or critical illness
- Support your business and your employees through affordable benefits
It is essential the creation of your financial plan includes insurance coverage that seeks to protect your current and future needs in a tax efficient manner. Our process is based on two key aspects of financial security: asset protection and wealth creation. A well-constructed plan helps ensure financial security throughout your life, for you and for your loved ones. It must provide income replacement and asset protection in the event that the unthinkable were to happen: disability, critical illness or death. The plan must also aim to build the maximum possible value via a solid, tax efficient wealth portfolio.
Your goal-based financial security planning approach will help you:
- Define customized short and long-term goals that incorporate the right financial products and services
- Identify roadblocks or gaps that might impact your financial planning strategy
- Continually monitor your plan to ensure it meets your changing needs
Financial Services
Financial Services- Fee-Based Investment Management
- Stocks
- Bonds
- Mutual Funds
- Exchange Traded Funds
- Alternative Investments
- Annuities
Retirement Planning Services
- Financial Modeling
- Needs Analysis
- Investments
- IRAs
- 401(k) Plans
- 403(b) Plans
- Rollovers
Estate Planning Services
- Insurance Trusts
- Survivorship Life Insurance
- Charitable Giving Strategies
College Funding
- 529 Plans