Personal Solutions

We provide personalized financial planning that is specific to each person, family, and/or business. We work with you to identify and prioritize your goals, explore options, establish effective strategies, construct and execute a plan, assess the performance of the plan, and make adjustments as needed.

Some people know exactly what they want to do in retirement while others are not really sure and many have some level of fear. We help you clarify the life you want to live, what financial resources may be needed and how to accumulate them, and what issues could jeopardize your dreams and how to protect against them. Whether those dreams include gardening in your backyard, traveling the world, pursuing hobbies you never had time for during your working years, engaging in charitable endeavors, or spoiling your grandkids, we create a tax-efficient and sound plan to get you there. Once retired, we help you effectively manage your assets to create a lifelong stream of income to support your lifestyle so that your money outlives you and not the other way around.

Managing your investments requires clear understanding of what you want your investments to do for you, and when. Our comprehensive investment advisory capabilities utilize a disciplined investment approach that looks beyond traditional asset allocation, while addressing many important factors including risk tolerance levels and investment time horizons.

Whether a participant in an employer sponsored retirement plan such as a 401(k), 403(b), 457, SEP IRA, or SIMPLE IRA, or holder of an IRA, there are numerous important considerations involved in making good decisions. You may face any number of scenarios including retirement, leaving one job for another, your employer sponsored plan is being terminated or merged into another, or you simply want to move your IRA or consolidate a number of IRA’s. 

Regarding an employer-sponsored plan, an IRA rollover can be a consideration, and you may have a number of additional options that include  leaving the funds in your existing plan, if permitted, or rolling them into your new employer’s plan, if one is available and rollovers are permitted. Each choice offers advantages and disadvantages, depending on your specific needs and retirement plan, such as the desired investment options and services, applicable fees, expenses, and withdrawal options.  Some of these important considerations also apply to rollovers from one IRA to another, or from an IRA to an employer sponsored plan.

Ensuring that the Required Minimum Distributions (RMD's) occur in full and on time is critical, and evaluating opportunities to delay RMD's beyond age 70-1/2 should also be considered. We also help to ensure that your beneficiary elections are up to date and work in concert with your will, and permit your beneficiaries to "stretch out" taxation over their respective lifetimes.

Working with your tax and legal advisors, we can help you determine the right courses of action.

To execute a sound financial strategy, asset and income protection are a must. Designing a plan that protects you, your family and/or your business in case your income is interrupted by death, disability or a long-term health event can create the necessary balance in a plan to ensure stability and protection of assets. Our financial plans are intended to produce the desired results no matter what happens in life. We find that a financial plan that works only if everything turns out well is a bad financial plan.

There are numerous financial strategies and retirement income plans that can help you accumulate assets for the future, shield your business and personal assets from liabilities, and safeguard asset transfer to children and grandchildren. We can help you determine the right course of action for your specific situation and objectives.

Education planning for your children, grandchildren, or others can be a major financial goal. Starting early allows you to take advantage of compounding and help minimize the out-of-pocket savings requirement. We will help you know the education and living costs to expect, and we will educate you on the different funding vehicles that offer varying levels of tax advantages, control over assets, and how income and different means of accumulating savings may impact receiving outside financial support.

A well-engineered estate plan can minimize estate and capital gains taxes, and ensure that loved ones are cared for. We will work with you and your other advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your personal desires and family needs. Importantly, you may desire to nurture the values and qualities most meaningful to you -- in your heirs and in the charitable organizations you support; we can help you develop a legacy plan to maximize your desired results, create healthier family relationships, and leave a lasting legacy for good-all while maintaining your present lifestyle.

Charitable planning allows you to support the organizations and causes that matter to you, while reducing your income and estate tax burden. Numerous charitable giving strategies exist, and we can help you design and execute a charitable giving plan that is in alignment with your personal and philanthropic goals.