Our Services

Investment Planning

Effective investment planning does not occur by accident, but rather requires thoughtful and rigorous analysis as well as adherence to proven portfolio strategies. The most successful plans are continually monitored to ensure they remain relevant to your situation, given prevailing economic and market conditions.

Developing a realistic plan that addresses funding sources, growth projections and eventual distribution will raise awareness of what you need to save in order to effectively accomplish your investment goals. Whether your goal is a comfortable retirement, to assist your children with college expenses, or to make a big purchase we can design a plan for you. We can help you determine how much you will need and how much you need to be saving. Considerations such asset allocation, when you will have access to your money, and the tax consequences will be important factors in the design of your plan.

Some common investment planning tools that we incorporate into our client’s plans include:

  • Stocks, Bonds, Mutual Funds, & Exchange Traded Funds (ETF’s): Using the best analytical tools available, we have the ability to research and incorporate any publicly traded security into your portfolio.
  • Tax Deferred Accounts (401k’s, IRA’s, etc.): We regularly consult our clients on nearly all of the available tax qualified plans designed for retirement savings.
  • Taxable Accounts: Many of our clients benefit from the alternative strategies we bring to the table. If you would like to invest your money and maintain access to it, a taxable investment account may be right for you.

Retirement Income Planning

Transitioning to retirement can be scary. Many common questions include:

  • Will my money last as long as I do?
  • How much of it can I spend?
  • What part of my savings should I spend first?

Factors such as the design of your portfolio, the tax implications of withdrawals, and the structure of your income (guaranteed vs non-guaranteed) are important considerations. We have found that the strategies designed to distribute wealth differ greatly from the strategies used to accumulate wealth. Creating a customized solution for your lifestyle and spending needs will be an important part of your peace of mind in retirement.

Insurance Planning

Health Insurance

Are you confused about the current state of health insurance? Join the club. Let us answer your questions and educate you on your options. Using the resources available to us, we can align you with any plan available, with any carrier in your state.  Please note that products may be available through one or more carriers not affiliated with New York Life Insurance Company, dependent on carrier authorization and product availability in your state or locality.

Life Insurance

Whether you need to design a plan to protect your loved ones or implement a well-thought-out estate, business succession or charitable giving plan, life insurance is an integral part of a holistic financial plan. It is important to tailor the design of your insurance strategy so that it specifically meets your needs.

Disability Insurance

Disability income insurance protects your most valuable financial asset: your income. Permanently losing your income due to sickness or injury can be more financially consequential than death. Disability income protection can come from several sources including social insurance programs, employer-provided benefits, and individually owned policies. It is important to use the proper combination of these sources to ensure your financial well-being is properly protected.  Please note that products may be available through one or more carriers not affiliated with New York Life Insurance Company, dependent on carrier authorization and product availability in your state or locality.

Long Term Care Insurance

Many experts believe that the costs of chronic care poses the single largest financial threat to retirees today. Other than Medicaid, which requires depletion of your assets, there is no safety net in place to help individuals pay for this expense. For this reason, it is important to acknowledge the risk and discuss your viable planning options.

Estate

Contrary to popular belief, estate planning is for everyone and not just for the very wealthy. Estate planning is the proper combination of:

  • Legal Documents
  • Beneficiary Designations
  • Life Insurance
  • Asset Ownership

Through collaboration with your own legal advisors and utilizing our resources, we strive to ensure your assets pass to your heirs in the most efficient manner possible.

Business

Many of our clients are successful business owners, having accumulated much of their net worth through ownership of a privately-held corporation. One common thread we have found is that they have dedicated their lives to building their business, often times at the expense of their personal financial goals. Let us show you how to create a plan that coordinates your personal planning with your business planning. A properly designed plan will allow your business to work harder for you while you work hard for your business.

A few common business owner strategies we work with include:

  • Executive Benefits: Believe it or not, there are many unique opportunities your business can implement for the benefit of the executives and select employees.
  • Employee benefits: I.E…Group Health Insurance, Disability Insurance, and Life Insurance
  • 401k Administration: We can help you identify, administer, and service a 401k plan right for your business.
  • Succession planning: Knowing how you are going to transfer your business and to whom you are going to transfer it to requires lots of planning and consideration.
  • Key person insurance: How much is your best employee worth to your business? We can help protect your business in the event something unexpected were to happen to that person.
  • Funding buy-sell agreements: Most business owners do not like the idea of being in business with their partner’s heirs should something happen to their business partner. Make sure your business interest is properly protected with a well-designed and funded Buy-Sell Agreement.