Our Services

While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel confident in your decisions.

That process starts with a Questionnaire session in which we accumulate information about your compensation, living expenses, tax responsibilities, investments, insurance coverages and estate plans.

Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives,. We then set timeframes and responsibilities to help you implement a sound financial program.  Once in place we will meet either semi-annually or annually to review the progress and update your financial plan.

Components of the planning include:

  • Tax Management  -- working with your tax professional to minimize the tax impact to your cash flow.
  • Cash Flow Management -- Maintaining and enhancing personal cash flow through employment, professional practice, or business ownership and controlling allocations of expenditures for life-style maintenance, taxes and investment.
  • Risk Management -- Planning for the protection of cash flow through sound financial management and cost-effective planing, and insuring risks to income and assets.
  • Investment Planning -- Working with your investment portfolio manager to prepare a asset allocation that fits your risk profile.
  • Retirement and Financial Independence -- Planning the allocation of specific investment dollars (taking into account Social Security benefits, pension and other retirement plan benefits) to provide adequate capital to generate the cash flow determined necessary for economic independence. 
  • Estate conservation -- Working with your estate attorney to ensue your estate documents implement YOUR goals and objectives while utilizing the appropriate estate planning strategies to minimize any estate tax costs. 
  • Insurance products -- Working with your insurance professionals to ensure you have the appropriate level as well as the right kinds of life, disability, health, and property casualty coverage.
  • Mortgage Planning -- Effectively planning for any first mortgage or refinance decisions
  • Business Interests and Employee Benefits - Planning and managing the integration of personal financial planning objectives with the assets and cash flow of business ownership interests and the various benefits typically associated with corporate executives and other salaried employees.