Investing advice still means something in this crazy world of robot advisors and apps and near-constant information. Nothing can protect an individual completely from market volatility, but we align our clients’ portfolios with their risk tolerances to ensure that they’re comfortable with their wealth management choices.
Retirement Income Planning
After looking at your unique financial situation, we aim to design a retirement plan that helps you create an income you can’t outlive or sets you on the path to a better retirement—one that maximizes the value of your assets to protect your family, and one that preserves your legacy for your beneficiaries. We help people with unique situations; we find financial solutions that fit their goals.
We can help you navigate your questions when it comes to selecting the right long-term care plan for you and your needs. Or are you having to figure out how to pay for the unexpected extra expense or care for yourself or a loved one? Even if it’s “too late” for traditional long-term care coverage, we help you understand what your options are should your resources become depleted.
Estate planning can be an emotional and complex series of decisions. Whether you want to leave your assets to your heirs or charity or want to develop a succession plan for your business, we can help you design a strategy that allows you to share your life’s successes with others while also leaving a legacy for those you love.
College is one goal people start saving for early, when they have young children in their homes. Or you may want to save money so you or your spouse can return to school. Whatever your goals, people often use a variety of tools, including 529 plans, to accomplish their education-related ambitions. And did you also know you might be able to use a 529 savings plan to save on taxes when paying tuition at a private K through 12 school for children in your home? Checking with an advisor is the best way to make sure you reach your education-related goals.
Social Security Strategies
With our knowledge of Social Security, we can help you decide when is the right time to start drawing your benefits. Our goal is to assist you in maximizing your Social Security benefits, coordinate them with your spouse’s benefits, and help you fill the gap between your benefits and your overall retirement-income needs.
Life Insurance Settlements
Life Insurance Settlements are often a misunderstood and underutilized alternative for clients. When a life insurance policyholder no longer wishes to maintain coverage, we discuss their options for releasing interest in the policy. No matter the reason for choosing to discontinue your coverage, if you are in a situation where you are reconsidering your current life insurance needs, we can help you maximize your potential resources.
Business & Buy-Sell Planning
Business planning can be just as complex as estate planning, especially with multiple partners or family members involved. We help to navigate these challenges and to develop a succession plan for your business that meets your goals, and also protects your business and your family. Many of our clients own and run family businesses that they have built into their own empire. Let us help yours grow and run as efficiently as possible as well.