We will design a wealth plan that evaluates your current financial situation by analyzing your income and expenditures to identify how you will pay the bills each month and pursue your financial goals. We provide regular reviews and modifications, assuring that your wealth plan is current.
Through your holistic wealth plan or focused plan, you’ll be equipped with the proper resources to identify your goals and we help you on your path toward pursuing your goals.
By leveraging a disciplined investment process, you receive transparency of information, seamless proactive service and the trust and accountability you need to meet your financial objectives. We will work with you to build out your model and continually evaluate your portfolio in order to pursue your goals. We work hard to balance or risk and reward while keeping investment expenses as low as possible.
Some of the ways we utilize insurance in the financial planning process include:
Life: Considers income replacement as well as estate planning through a vehicle which may be income tax and estate tax free, if structured properly.
Disability: Protects your income in the event of your inability to work prior to financial freedom.
Long-Term Care: Provides financial support for Activities of Daily Living (ADL’s) in respite care, adult day care, in-home care, assisted living as well as nursing home care.
Have you considered your legacy? For many people, family and charity are high on the list of those who should benefit from their lifetime of work. However, Uncle Sam also wants a piece of the action. Our team will work with your existing financial professionals to formalize your wishes to potentially minimize the administrative burden and to maximize the value distributed to the people and causes you cherish. Additional estate planning considerations include:
Medical Power of Attorney: Under HIPAA law, doctors are prohibited from discussing medical information without authorization.
Durable Power of Attorney: Necessary to direct the assets of an incapacitated individual without court approval.
Tax impacts every aspect of your financial life. Our onsite tax professional can work directly with you to review your recent tax returns and identify potential savings or restructuring opportunities, giving you proactive ideas to save money in the future.
Benefits you gain from our tax planning service include:
- Understanding the tax consequences related to your individual investments
- Maximizing your retirement plan savings under current tax law