Who We Help

Families

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Families don’t often have time to manage their finances, but it’s important that good financial habits are established early on.  Beyond thinking about long-term goals such as retirement and college expenses, it’s important that families have appropriate insurances and legal documents in place.

Individuals

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Individuals bear the stress of dealing with finances on their own, but often have great cash flow as a result of minimal expenses. Planning for the long-term may be simpler, given that it's one person's goals instead of multiple. But sometimes simplicity and modesty brings a wealth of options that can be contemplated... early retirement or the like.

Beneficiaries

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Beneficiaries are thrown into a confusing situation and receive assets while they are grieving the loss of a loved one.  Beneficiaries should go slow making decisions with large amounts of newfound money, and should develop a plan that balances short and long-term goals in a tax-efficient manner.

Divorcees

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Divorcees need to figure out their finances in their new lives.  Meeting cash flow needs in the short-term must be balanced with ensuring that assets aren’t drawn down too quickly, so that they hopefully last for the long-term.  Long-term goals may need to be redefined, as a divorcee moves into his or her new life. 

Socially Conscious Investors

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Socially Responsible Investing (SRI) has grown in popularity over the years.  People have started to see a link between their money working for them and their money working for the world.  We offer portfolios for socially conscious investors that screen out weapons, tobacco, alcohol, and gambling; that may invest in renewable energy; and that promote fair labor practices and investment in communities.  

Business Owners

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Business Owners have enough on their plates without adding the stress of investment management and financial planning in their personal lives.  Business and personal goals need to be aligned, and employees need to be considered if establishing a retirement plan for the business is deemed appropriate.  Compensation options may be varied, and should be considered from a tax-efficiency viewpoint.

Professionals & Executives

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Professionals and executives may have different types of compensation, tax consequences of which need to be analyzed and aligned with personal goals. While short-term cash flow may not be an issue, setting long-term goals and establishing tax-efficient savings strategies are generally a top priority.

Widow(er)s

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Widow(ers) should take their time making financial decisions after the death of their spouse.  Time needs to pass for them to figure out what their new life looks like.  Assets need to be re-named, but their is generally no rush as long as cash flow needs are being met.  Long-term goals may need to be readjusted. 

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Individuals, Families, 30s & 40s

Your Needs

  • "Accumulators" need to develop the discipline to save and invest. 
  • They need clearly defined savings targets based on what they envision for the rest of their life. 
  • They need to manage risks and take care of their family.  
  • They need to plan for the long-term before it becomes short.  

Our Solutions

  • Define savings targets
  • Consolidate old retirement plans
  • Diversify and manage assets
  • Review insurances
  • Plan for college

Pre-Retirees, 50s

Your Needs

  • "Pre-retirees" worry about having enough money, and how to appropriately invest what money they have.  
  • They need to know when they can afford retire. 
  • They need to develop a financial plan for the next phase of their life.  
  • They may still have kids to get through college, and need a plan to do so.
  • They need to focus on eliminating debt.

Our Solutions

  • Detailed retirement plan
  • Savings targets
  • Consolidate and manage assets
  • Debt elimination plan
  • Assist implementing estate plan
  • Insurance review

Defining Your Retirement, Retirees, 60s

Your Needs

  • "Retirees" have urgent money management needs.  
  • Portfolios require close, careful monitoring because they are the most vulnerable to fluctuations in the financial markets. 
  • Retirees need an income plan that minimizes taxes and maximizes their legacy.

Our Solutions

  • Detailed financial plan
  • Risk assessment 
  • Consolidate and manage assets
  • Tax-efficient income plan
  • Legacy planning

Professionals, Executives, Biz Owners, Career Change

Your Needs

  • Your business and personal goals need to be aligned and forecasted.
  • You need to determine your business-related retirement goals such as sale of business, succession planning, or slowing down.
  • You need a retirement plan that will maximize your ability to save tax-efficiently, if none available through an employer
  • Retirement plans from former employers may need to be consolidated or rolled over.
  • Your sources of compensation need to be directed appropriately, and examined for tax ramifications. 

Our Solutions

  • Consolidation and management of assets
  • Bonus and stock option planning
  • Tax considerations, personal and business
  • Detailed retirement plan
  • Insurance analysis

Widows & Widowers

Your Needs

  •  Widow(ers) need to take their time making financial decisions
  • Time needs to pass for them to figure out what their new life looks like, and what it costs.  
  • Assets need to be re-named, but their is generally no rush as long as cash flow needs are being met.   
  •  Long-term goals may need to be readjusted. 

Our Solutions

  • Budgeting/cash flow in new life
  • Re-assessment of long-term goals and affordability
  • Re-titling, consolidating, and managing assets
  • Assessment of comfort with risk 

Divorcees

Your Needs

  • As a divorcee, you need to figure out finances in your new life.  
  • You need to balance short-term cash flow needs with long-term goals, so that assets are drawn down too quickly.
  • You need to determine affordability of your life, given the change in income and potentially job situation.
  • You need to be sure your assets are invested appropriately given their time horizon, which may have changed.
  • You need to ensure that your interests are considered when assets are divided.

Our Solutions

  • Cash flow / affordability assessment
  • Tax considerations regarding splitting of assets
  • Income planning
  • Consolidation and management of assets
  • Re-assessment of long-term goals

Beneficiaries

Your Needs

  • As a beneficiary, you need sound advice; you may have been thrown into a confusing situation out of your control.
  • You need to know the tax consequences involved with inheriting, liquidating, withdrawing inherited assets. 
  • You need to assess your own goals and long-term plan before making decisions. 
  • You need an investment strategy that matches your new goals.

Our Solution

  • Tax considerations
  • Re-assessment of goals
  • Optimum use for new assets
  • Consolidation and management of assets
  • Detailed long-term plan

Home Ownership Decisions

Your Needs

  • Your home may be one of your largest assets, and financial issues surrounding sale or purchase need to be carefully considered. 
  • Downsizing or "right-sizing" may result in you needing to make a decision regarding how to best use equity.  
  • Real estate can be a good investment long-term, but you need to assess risk.  You may want to compare a potential income property with a traditional, more diversified investment that requires less physical labor.

Our Solutions

  • Assessment of sale/purchase and its impact on your long-term plan
  • Guidance regarding affordability
  • Best use of equity
  • Comparison between real assets and financial assets