Financial Planning

Live Your Life by Design, Not by Default

Our team of financial planning professionals will design a plan that evaluates your current situation by analyzing your assets, income and expenditures to identify:

  • The day-to-day: What assets do you need today?
  • The big picture: What can you do to pursue your financial goals?

We provide regular reviews and modifications, ensuring that your financial plan stays current and dynamic.

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Find Your Definition of True Wealth

Everyone has their own definition of true wealth. For some, it’s that family vacation you’ve always dreamed of. For others, it’s not running out of money in retirement. We help you pinpoint your definition of true wealth, then help you build the legacy you’ve dreamed of. 

Selecting the right financial advisor is an important step in your pursuit of true wealth. We build a customized plan for whatever your needs, including individual financial planning and business financial planning.

Financial Planning

For Individuals & Families

We provide you with a wide variety of investment options that align with your goals. We always act in your best interests, which means your goals drive your investments – and not the other way around. We look at financial planning from four angles:

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Assessment

We will help you bring your risk, current financial situation and spending into focus.

Personalized Cash-Flow Based Planning

Narrowly tailored to identify and address your specific goals and objectives.

Social Security Analysis

In-depth analysis of available Social Security claiming options.

Risk Management Planning

Comprehensive analysis of life, disability, long-term care and other risk management solutions.

Financial Planning

For Businesses

Do you know what your business is worth? Do you have a succession plan in place if something unexpected happens? How will the sale of your business affect your retirement? Our financial planners can help you answer these questions, with a focus on four areas of business financial planning.

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Individual Planning

Your business is part of your individual financial plan – and a key asset in your life.

Business Valuation

Determine an accurate valuation of your business to incorporate into your personalized financial plan.

Tax Efficiency

We help you make tax efficient decisions today rather than when it comes time to file.

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Succession Planning

Understanding what happens to your business when you’re gone is vital to financial planning.

Financial Planning

For Businesses

Do you know what your business is worth? Do you have a succession plan in place if something unexpected happens? How will the sale of your business affect your retirement? Our financial planners can help you answer these questions, with a focus on four areas of business financial planning.

Risk Management

Our team identifies risks that could tremendously impair your financial situation. While it’s important to focus on what may go right with your situation, it’s also crucial to consider how you may be negatively impacted without protections in place. Transferring risk to the deeper pockets of an insurance company in a cost-effective manner may be prudent to minimize the financial damage of a catastrophic, unanticipated event.

Some of the ways we utilize insurance in the financial planning process include:

Life Insurance

Considers income replacement as well as business succession funding and estate planning through a vehicle which may be income tax and estate tax-free, if structured properly.

Disability Insurance

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 in respite care, adult day care, in-home care, assisted living and nursing home care.

Why Should I Hire a Financial Advisor?

I’m looking at my clients’ money profile and I see it: a retirement plan account opened through a robo platform. This fact is not surprising, I had previously discussed this with my client. They wanted to try something different and the investment costs were much lower starting out. In this case, the investments are passive, which I explained meant the investments seek to mimic an index and the only rebalancing expected might be once or twice a year.