Products and Services
Our advisors will work with you to help ensure that all areas of your financial lives are covered so that you can be set up for financial success. The financial landscape is constantly changing, but we truly believe that all clients can enjoy a secure financial future with proper planning and preparation.
Comprehensive, Fee-based Financial Planning
We will work with you to create a plan tailored specifically to your unique situation, touching on all facets of your financial world. Using the latest software, eMoney360, you will have access to your written, compressive plan complete with customized recommendations and in-depth, thorough analysis. You will also have optional access to the eMoney Vault, a platform that links all of your assets and liabilities in real-time, regardless of the financial institution in which your account is held.
Investment Strategies and Asset Management
Based on your risk tolerance, time horizon, and tax situation, we work with you to structure customized investment strategies. Due to our open architecture, we can choose from hundreds of asset managers and utilize thousands of mutual funds, ETFs, Separate Accounts, Unified Managed Accounts, and more.
Insurance and Risk Management
Your financial health is only as good as your protection plan. We will shop the marketplace to find the carrier and product that makes the most sense for you. We specialize in life insurance, long-term disability insurance (LTD) and long-term care insurance (LTC).
Through the financial planning process, we utilize our experienced advanced markets team to design estate strategies that accomplish your goals and objectives. Whether it is a focus on speeding up probate, minimizing estate taxes, charitable inclinations, or generational wealth transfer, tailoring your estate plan is a critical step to take, far before you think it will be an issue.
The owners of closely-held businesses face unique challenges at every stage along the way. We work with our business-owner clients to design and, where appropriate, fund strategies that include: succession planning, executive carve-out plans, key employee retention, buy-sell arrangements, key-person arrangements, and much more.
Retirement Plans / Qualified Plans
We partner with business owners to help facilitate their companies’ retirement plans, including 401(k) and other defined-contributions plans, as well as defined benefit and deferred-compensation plans. We work with both start-up plans and established high-balance retirement plans.
In addition to retirement plans, we also offer group benefits plans, including group life insurance, long-term disability and long-term care plans.
We recognize the potential financial impact on businesses that are now required to bring their group medical plans in compliance with the Affordable Health Care Act. With Affordable Health Care Act specialists on our planning team, we provide business owners cost saving and cutting-edge strategies that minimize the financial impact of compliance.
In addition to group medical insurance planning, we work with our business clients to design competitive and cost-effective group benefit plans that include group basic and voluntary life, dental, vision, disability, and long term care insurance that will assist them in attracting and retaining the best employees. Following plan implementation, our employee benefits team provides clients with continuous on-site enrollment and claims assistance.
Contact us about your goals for today, the future, and for the legacy you leave behind.
Separate from the financial plan and our role as a financial planner, we may recommend the purchase of specific investment or insurance products or accounts. The product recommendations are not part of the financial plan and you are under no obligation to follow them.
Financial Advisors do not provide specific tax/legal advise and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation.