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