Financial Planning

We believe financial planning is a comprehensive and collaborative process that involves integrating many different aspects of an individual or family's finances.

Investment Management

Tax Planning*

Estate Planning*

Insurance & Risk Management

Education Planning

Debt Planning

Health Insurance Planning


Contact Us today to schedule a complementary inital consultaion



  • Provide a comprehensive financial plan to align your current actions with future goals
  • Calculate your current and projected net worth to establish a foundation for planning
  • Hold regular review meetings to ensure you are on track to meet your goals
  • Evaluate your existing insurance coverage and plan comprehensively for additional protection needs
  • Help manage cash flow, income, and spending, now and in the future, in line with your planning goals


Investment Management

  • Provide access to institutional level asset management
  • Evaluate your tolerance for risk and loss to design appropriate investment strategies
  • Design and maintain personalized investment solutions and a portfolio appropriate to your needs
  • Recommend proper allocation and positioning of funds in retirement plans such as 401(k)s
  • Provide ongoing due diligence and monitoring of investments
  • Electronic delivery of statements and online aggregation of accounts
  • Discuss and present alternative investment solutions for proper portfolio diversification
  • Be available for touch base conversations to answer questions and address your evolving needs

 *All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.


Tax Planning

  • Comprehensively review your tax situation to highlight opportunities for suitable tax positioning
  • Review retirement plans to maximize contributions
  • Analysis of pre-tax, Roth, and after-tax contributions 
  • Incorporate tax law changes and projections into your planning and investment strategies
  • Review marginal tax brackets and opportunities for:
    • Roth conversions
    • Tax Loss Harvesting
    • 0% Capital Gain Bracket Maximization
  • Consult and coordinate with your tax preparer
  • Net Unrealized Appreciation (NUA) Planning



Insurance & Risk Management

  • Evaluate existing insurance coverage and plan for additional protection needs
  • Analysis and Review of:
    • Life Insurance
    • Disability Insurance
  • Review of insurance based products for asset preservation



Education Planning

  • Future needs and goals planning
  • Review of current saving and investment options
  • Investment allocation review and analysis


Debt Planning

  • Analyze debt structure and organization, as well as lending opportunities
  • Aid with real estate planning and evaluate mortgage financing
  • Analysis of current obligations and payoff strategies


Estate Planning

  • Review your current estate plan, will, trusts and powers of attorney of concerns and necessary changes
  • Assist in asset transfer strategies and beneficiary review
  • Organize meetings with your family to review your financial and estate situations
  • Provide guidance with the appropriate and necessary steps in the event of the death of a loved one
  • Assess philanthropic giving solutions through understanding your family goals and charitable values
  • Consult with your estate planner to make sure all solutions are aligned


Additional Offerings

  • Provide referrals to other professionals who can help address all elements of your total financial picture
  • Analyze and implement solutions for employee benefits administration for your small business
  • Find solutions for executive compensation investments such as restricted or concentrated stock holdings





**This list is intended to provide examples of various topics and services Retirement & Estate Advisors review with their clients. Retirement & Estate Advisors does not guarantee any specific product or service will be offered or reviewed. Account and fee minimums apply. 

*Tax and/or legal advice is not offered by Retirement & Estate Advisors. Please consult with your tax professional for additional guidance regarding tax-related matters. Tax and Estate planning services provided in conjunction with your licensed legal professional.