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Investment and Financial Planning Services

Investment Management

Through wealth management, we can help clients create an investment portfolio that produces an appropriate diversification based on the individual client’s goals and risk tolerance. Diversification is often considered to be one of the best long-term investment strategies for any market environment. Your investment goals, time horizon, and risk tolerance will drive your asset allocation and help determine the right balance for you. While using asset allocation methodology does not guarantee greater, or more consistent returns, or insure against loss, we'll work with you to help build a personalized portfolio based on proper asset management strategies.

Many people will spend up to one-third of their life in retirement. As individuals and families approach and enter retirement, many must re-evaluate their current lifestyle and adjust as needed to ensure they don’t outlive their assets or income. In order to do so, they must determine possible income sources, including investments. Rather than take risks with their assets in an attempt to build them, they are more concerned with preserving them. We can help clients plan for retirement, including strategies for building a steady income stream and determining ways to maximize Social Security benefits. 

Financial & Estate Planning

Financial planning can involve a variety of different strategies, but the overall goal is to determine how to grow, protect, and distribute one’s wealth. In building a financial plan, we use a personalized approach to help determine a strategy that suits your needs. Working with you throughout the many stages of your life, our aim is to ensure that your financial decisions are appropriately and realistically aligned with your financial objectives.

Many individuals and families don’t just want to make their assets last for their lifetimes; they want to leave a legacy for their heirs. However, the financial side of estate planning is often overlooked and can have a dramatic impact on one's family. In order to leave as much as possible (and, as a result, reduce taxes as much as possible), it’s critical to have an estate plan in place. We can work with your tax and legal professionals to ensure the critical aspects of your estate plan are met. Our goal is to help you protect, conserve, and distribute your assets.

Insurance Services

Regardless of how much time or money you spend building your investments, one unfortunate event can quickly erode the value of that plan if you don't have an appropriate risk management plan in place. In developing a comprehensive financial plan, we help clients address their risk exposure and help them determine appropriate options, including:

  • Term Life Insurance
  • Whole Life Insurance
  • Variable Life Insurance
  • Universal Life Insurance
  • Long-Term Care Insurance
  • Disability Insurance

Business Planning

For small business owners, proactive and strategic business planning may help avoid some of the common pitfalls that cause most small businesses to fail. From obtaining financing, to selecting employee retirement, benefit, and insurance plans, small business planning can help give your company the edge it needs to prosper. We can assist you to manage your earnings for growth, and possibly, to develop a succession plan that provides you a financially sound exit strategy. Additionally, we help business owners identify appropriate retirement accounts, including:

  • Simple, SEP, and Roth IRAs
  • Defined contributions
  • Money-purchase pension plans
  • Profit-sharing plans
  • 401(k)s and 403(b)s

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