Who We Help

Families

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

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

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

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

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

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

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

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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