Core Services
Integrated Financial Planning
Investment Planning
We design and monitor a custom investment solution centered around your unique life goals, preferences and risk tolerance.
Debt Management
Our approach looks at both sides of your balance sheet, managing debt with the goal of having it enhance your life instead of detracting from it.
Retirement Income
We use a cash flow centered approach to help those working determine the right amount and type of savings needed while helping retirees build a sustainable withdrawal plan. We carefully integrate outside income sources such as pensions, annuities and social security.
Education Funding
Rising college costs and student loan burdens make education planning more important now than ever. We help you design funding strategies with the goal of helping your children receive quality educations while keeping your own financial independence on track.
Tax Planning
It is not just what we earn or grow. It is what we keep after taxes that impacts our lifestyle. We build savings and withdrawal plans with a focus on both short-term and long-term tax efficiency.
Insurance & Protections
A great investment plan can get disrupted if proper risk protections are not in place. Among other things, we strive to make your plan robust against emergencies, premature death, illness, disability and long-term care.
Executive & Employee Benefits
We help you select and monitor the right combination of benefits offered by your company or small business. This work impacts your overall investment design, risk management, tax and cash flow.
Legacy & Wealth Transfer
An often-overlooked part of a comprehensive plan is how your family and other important individuals and institutions will fair in the event of your death or incapacitation. We help you build and execute an estate plan to improve peace of mind for all involved.
Premium Services
Investment Management and Integrated Financial Planning
Services include ALL of the integrated financial planning services above PLUS:
Custom Portfolio Design
By understanding your goals, your ability to tolerate risk and what type of productivity you need from your financial plan, we design a custom investment solution for your family.
Tax Optimized Asset Location
A great investment plan can get disrupted if proper risk protections are not in place. Among other things, we strive to make your plan robust against emergencies, premature death, illness, disability and long-term care.
Institutional Pricing & Convenience
We use Schwab, one of the nation’s largest and most recognized custodians for your investments. We also seek to keep your investment costs minimized by using fund families such as Dimensional Fund Advisors, Vanguard and iShares (Blackrock).
Modern Rebalancing Process
A disciplined trading approach can help you take advantage of the opportunities our markets provide. We use a “tolerance band” technique to capture competing objectives such as minimize trading costs and capturing momentum.
Tax Gain & Loss Harvesting
For clients with assets in after-tax accounts, investment decisions also have an impact on the taxes you pay now. We integrate trading decisions with your current cash flow needs in mind.
Cash Management
For those in accumulation, we seek to minimize “cash drag” and systematically invest new dollars saved. For retirees, we also carefully raise and distribute cash to meet your spending needs.
