Comprehensive Financial Planning

We believe that the client relationship is the business. It means doing what’s right for our clients, delivering a high level of attentive, personal service, flexibly accommodating each client’s schedule, and being involved in their lives. Having a high level of trust is essential to developing strong, lasting and successful client relationships.

Financial planning is not an investment product, but rather an ongoing process designed to help you achieve your goals by making smart decisions. It begins by evaluating your current financial situation, identifying and clarifying your goals, designing the appropriate plan for pursuing them, and monitoring its progress over time. We look at planning through a wide lens and develop strategies designed to pursue your short- and long-term goals.

Preserving your wealth and maintaining your standard of living are among your highest priorities. People are living longer today, so the possibility of spending 30 years in retirement requires careful planning and disciplined investing. We can create a plan for monthly distributions from your portfolio designed to preserve your principal. We can also assist you with longevity planning, required minimum distributions, income planning, tax strategies, asset preservation and reallocation, account titling and beneficiaries, multigenerational wealth transfer and charitable giving.

Retirement concerns are not solely about financial matters, but also about quality of life and levels of independence. Because people are living longer today, many of today’s retirees can expect to live another 30 years. Longevity planning is provided to address important issues associated with aging and the effects of increasing life expectancies, as they relate to housing, healthcare, caregiving and transportation.Retirement concerns are not solely about financial matters but also about quality of life and levels of independence. 

Your goals and needs are unique, and we believe your investment strategy should follow suit. We offer access to a wealth of high-quality investment opportunities to fit your objective, whether it is growth, capital preservation, income or other factors. Using our extensive experience with the various choices for your portfolio, we can help guide you toward investments that are the right fit for your circumstances. Our offerings include stocks, bonds and other fixed-income investments, mutual funds, exchange traded funds (ETFs), separately managed accounts and more.

There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss.

Our investment objectives are to preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. We believe that a proper allocation among different investments and asset classes can be an effective way to pursue your goals.

Asset allocation does not guarantee a profit nor protect against loss.

Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can help ensure that your assets accumulated over your lifetime are protected and preserved for the use you have intended.

Giving not only helps the organizations you choose, but can also generate personal tax benefits and advance your wealth management plan. We can help you with solutions that include private family foundations, charitable trusts, charitable gift annuities, pooled-income funds and donor-advised funds.

We offer a full array of trust structures, including charitable-giving tools that may also feature tax advantages. Whether your goal is to minimize estate taxes, provide for loved ones, or dictate how you want your wishes to be carried out, we can help.

Taxes play a critical role in the planning process.  Be advised, state and federal estate and inheritance taxes vary and can change at any time without warning.  We urge you to consult with a tax professional as part of this process

Socially responsible investing, also known as environmental, social and governance investing (ESG), is a pragmatic approach to invest in companies that are good corporate citizens driven by their responsibilities toward society, the environment, the community and corporate governance. We can recommend a variety of investments that can accommodate your social, political or spiritual philosophies.

Utilizing an ESG investment strategy may result in investment returns that may be lower or higher than if decisions were based solely on investment considerations.

Building and managing a successful business while staying true to your entrepreneurial vision is definitely a full-time job, which leaves little or no time for your personal financial matters. We can help you with both. Understanding your business and goals helps us address a wide variety of important needs during all stages of your business and your life. Whether looking for solutions for employee retention, insurance and financing, or help with asset preservation, tax and estate planning, we can help now and in the future as you look to create an exit plan for your eventual transfer of wealth.

You understand the effort that goes into creating a successful business. It is no surprise that a successful transition – whether it’s selling all or part of your business or passing it on to an heir – requires substantial work.

It is imperative to have someone by your side carefully reviewing the deal and keeping your best interests in mind. You’ll also need to factor in how the proceeds will fit into your overall financial and retirement income plan – in the most tax-efficient way possible.

We can work with you to properly value your business, create a succession plan designed to maximize its financial potential, and address the details essential to all parties concerned. Collaborating with your tax and legal professionals, we can work to ensure your interests are well represented as you transition out of your business and move on to the next stage of your life.

How you borrow and manage cash can be as important to the success of your wealth plan as having the appropriate investment strategy. That’s why we offer you a complete suite of cash management, banking and lending tools that give you the power to take advantage of your unique opportunities.

Having alternatives means having options to fit your ever-evolving needs. We believe diversification across a broad spectrum of asset classes is the best way to help our clients meet their long-term objectives, balancing risk and return.

For those who appreciate the potential of alternative investments in a comprehensive portfolio, we offer diversification through investments such as hedge funds, managed futures, funds of funds, private equity, private real estate and other alternative investment options. Of course, alternatives aren’t for everyone, and we’ll carefully consider the options that complement your existing financial objectives before thoughtfully moving forward.

Alternative investments involve specific risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. You should consider the special risks with alternative investments including limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. You should only invest in alternative investments if you do not require a liquid investment and can bear the risk of substantial losses.

Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided. Diversification and asset allocation do not ensure a profit or protect against a loss.