Your Best Interest at Heart
The "why" behind what we do is what’s most important to us. Every day we strive to make a real difference in the lives of hardworking individuals just like you. We are dedicated to going above and beyond to help you reach your financial goals – whether you aspire to purchase a new home, fund your child's college education, or retire worry free. Our advisors always have your best interest at heart and take great pride in the personalized level of service, care, and attention we provide. We hope by working with us you can always rest easy knowing that our team has your back.
WHAT DO WE DO?
Retirement Planning
Knowing you will have enough money, even when the unexpected happens, is critical to any financial plan. Of course, retirement isn’t just about money; it’s also about the personal fulfillment and enjoyment that comes from being financially independent. We can help you determine what goals are most important to you and ensure you have the peace of mind to enjoy your retirement without worrying how long your money will last.
Investment Planning
In a well-balanced portfolio, each investment fulfills a specific function and is appropriate for your unique situation. We will ensure your investments reflect your risk tolerance, tax status, time horizon, investment objectives and financial planning goals. And we will provide objective, unbiased investment recommendations based on your personal needs so you can make the smartest, most appropriate decisions.
Tax Planning
Tax planning can free up money for other financial goals. We can develop strategies to help you minimize potential income tax and capital gain liabilities because you shouldn't have to give the government more than you're legally obligated to pay. We can also help project your tax liability so you don't owe a ton when filing your tax return or get a large refund (unless you like giving the government an interest free loan).
Estate Planning
Your will is only one element of intelligent estate planning. Other important decisions include naming of a guardian for minor children, special provisions for mentally or physically disabled children, medical directives, and how to minimize or eliminate estate taxes. We will evaluate the estate issues that could impact the lives of you and your family so you can consider which choices to implement with your attorney. If you do not have an attorney, we can also provide referrals.
Insurance Planning
Determining how much coverage you need, where you should buy and how much you should pay are important to your overall financial security. Whether it's home, auto, personal liability, life, disability, or long-term care; a gap in insurance coverage could derail an otherwise solid financial plan. While we do not sell any insurance products, we can refer you to a trusted colleague who can help you spend your insurance dollars wisely.
Cash Flow & Debt Management
Say the word “budget” and most people will cringe or groan. But it simply means deciding how to spend your money in advance so you make regular progress toward your goals. We’ll start by reviewing where your cash comes from and where it goes to help you meet your short- and long-term goals. We’ll help you understand the difference between good and bad debt, make sure you have enough set aside for emergencies and special opportunities, and, if needed, help you improve control over spending.