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Life Planning

Oftentimes clients need services that don’t easily fall into one specific category. Below are just a few of the services clients have come to expect from our firm through their ongoing relationship with us.

Guidance in Spending Money through Retirement

It is highly unlikely that anyone taught you how to spend your money in Retirement; Creating tax-efficient, cash flow strategies that incorporate our client’s various sources of income and assets, we are acutely aware of how to deliver you the money you need to pursue your goals in retirement. While changes in lifestyle, interest rates, economic uncertainty and market volatility can and will impact your ongoing income needs, we continually monitor your accounts while attempting to determine the most appropriate way to provide you with your desired outcomes.

Estate Planning and Wealth Preservation Techniques

No matter whether you are looking to leave a legacy to your heirs, protect your wealth from estate taxes or distribute your wealth in manners that align with your values, we can offer potential solutions. By utilizing sophisticated planning software, we can interactively show you the implications that result from each scenario of your choosing.

Capital Preservation Techniques

As you build your wealth, it is important to craft a safety net for your family, your assets, your health and your legacy. As independent insurance agents we can help you select from among the very best life, disability, and long term care insurance. We will also help you examine your homeowners, automobile and umbrella coverage and work with your existing agent if changes or adjustments are needed.

Tax Planning and Review

We don’t prepare taxes, but we help you plan effectively when it’s time to submit your 1040 to the IRS. Throughout the year we run tax planning projections to help you understand the implications of drawing money from various accounts, as well as help you consider investment opportunities that could reduce the taxes you might owe. In addition, we scan your return for inconsistencies, review your payroll withholdings, and help consider whether you’ve fully utilized tax deductions and more.

Employee Benefits and Company Retirement Plan Analysis

Many of our clients are still employed; and as a result, they are faced with making decisions on employee benefits, retirement plan options, cash balance plans, pension selections and more. As part of our comprehensive financial planning services, we continue to provide advice and assistance on these issues.

In today’s ever changing world, career transitions may offer greener pastures – or not. We help our clients evaluate offers to change companies or industries, helping to decide if the change may offer a better place to grow their career and serve their family or just the short term thrill of change with no long term reward.