Individuals & Families
Every person and family has a unique financial situation. Long-?and short-term goals, available funds, current income and investments, and other factors all come into play. That's why we work?with each individual client to identify where they want to go financially and how to reach that destination. Below are some of the common services we provide.
Retirement Planning
No matter your goals, level of risk tolerance, or time until retirement, we can work with you to come up with an individualized plan to help you make the most of your money. Our retirement planning and wealth management offerings include a mix of financial solutions including investments, insurance products, mutual funds, annuities, and more. Our planning process will help you arrive at a well thought-out model for helping to maximize and protect what you have moving forward. From there, we will monitor your plan regularly and adjust as needs and circumstances change.
Financial Strategy
Whatever your financial goals are, sound planning is essential to making them a reality. By taking into account your personal situation, we’ll work with you to create a plan that is unique to you. We'll guide you through the options, keeping in mind your goals, personal circumstances, and any concerns you may have. From there, we'll help you build and implement a tailor-made plan, and monitor it regularly to help ensure the plan stays in line with your objectives.
Estate Planning
Because of factors like state and federal taxes, estate planning can be complicated. That’s why you need an experienced partner to help you make the most of your opportunities and avoid pitfalls along the way. With input from you and your other advisors, we can work to minimize your estate tax liability and help ensure your plan lines up with your needs and values.
Asset Protection (Insurance)
You've worked hard for what you have, and we want to help you guard it. Through our asset protection solutions, we can?assist with?insurance policies to protect for personal and business assets and help ensure the smooth transfer of assets to family members. Our team will take your specific circumstances into account to help implement a plan that meets your personal objectives.
Charitable Planning
If you’re like most people, you have some charitable causes and organizations that you care about and want to support. We can help you do that in a way that lines up with your values and objectives and your philanthropic style. A well executed charitable giving plan can often reduce estate taxes, creating a win-win situation for you and the causes you care about most.
Investment Management
Whether you're working on a short or long timeline, or have a high or low risk tolerance, we can offer you an investment approach that helps make the most of your assets. After talking through the various options available to you, we'll use your objectives and circumstances to customize an investment plan that’s in alignment with your values and goals.
Disability Income Protection and Long Term Care
No one likes to think about the possibility of needing long term care later in life, but planning for extended care and disability?is an important part of a solid retirement plan. We have access to tools that can help protect your assets and offer some peace of mind in your retirement.
Discuss 401(k) and IRA Rollover Options
Moving to a new job requires many decisions, including deciding whether to leave the money in your former employer's plan, roll it over to your new employer's plan1, roll over to an IRA or cash out the account value2. We'll work with you and your tax advisor to go over the benefits and drawbacks of each option and help create a plan that fits your personal circumstances.
Source: FINRA Regulatory Notice 13-45 (FINRA Reminds Firms of Their Responsibilities Concerning IRA Rollovers)
1Not all employer plans accept rollovers. See Government Accountability Office 13-30, "Labor and IRS Could Improve the Rollover Process' at 8 (March 2013) ("GAO Report")
2This option—taking a lump sum distribution that is not rolled over into another plan or an IRA—may be costly for many younger individuals. In general, tax penalties will apply if the employee is below 59½ and the distribution will be taxed as ordinary income.