Investment Management: This is a crucial part of developing a sound plan. We all face life’s challenges and in so doing, our finances, at times may take a back burner. Since this is one of the biggest facets of one’s retirement, we are committed to ensuring this is a priority.

• Our portfolios are carefully thought out by determining each client’s risk tolerance and ascertaining whether the overall assets have the capacity for this risk. We then build a portfolio based on this evaluation and values specific to each individual.
  
• Once the portfolio is constructed, we continue to monitor, rebalance and implement any necessary changes to mitigate risk while being mindful of our clients’ goals.
  
• A large part of the value we offer is providing support during turbulent market conditions and through transitional phases of life; death, job change, retirement or divorce.

Cash Management: Prior to implementing any investment plan, we ascertain what emergency funds are in place and if, in fact, we need to build upon this financial foundation.

• We provide guidelines to manage your discretionary income, which will allot defined amounts towards decreasing debt, building liquid savings, and allocating towards investments.
  
• Outstanding debt is analyzed to ensure the interest rate is cost effective, if not, refinancing and the consolidation of liabilities is considered.

Family Risk Management: Taking a proactive approach to ensuring one’s financial household is in good order, should a life-changing event take place, is always prudent. In doing so, we evaluate our client’s current insurance profile; life, disability, long-term care, to verify cost efficiency and proper coverage with the hopes of mitigating any compromise to one’s lifestyle.

Retirement Planning: Whatever phase of life you are in, we uncover what needs you may have and direct you in a path that will promote a comfortable lifestyle both prior and during retirement.

• We review your current IRA plans such as 401k plans, Roth and Traditional IRA’s to ensure they are in line with your goals and make changes accordingly. If you do not have any existing accounts, we will offer suggestions specific to you which are cost effective and geared towards enhancing your retirement lifestyle.
  
• We analyze distribution options for pensions.
  
• We assist with calculating retirement plan benefits, including IRA mandatory minimum distributions, and offer advice for the timing of collecting Social Security benefits.

Legacy Planning: It is here we focus on ensuring estate planning documents are in place, including Power of Attorney and Health Care directives. Establishing a properly executed estate plan can effectively lower your estate taxes and ensure your legacy is carried out as you wish.

Education Planning: We all know that education costs are ever increasing. We will guide you through your options (529 Plan, UTMA’s and Education IRA’s), establish a monthly investment plan and assist you through this transition when the time arises.

Business Planning: Business owners will benefit from a review and analysis of retirement plans, if a plan would be advantageous as well as other operational advice.

• Other aspects are considered, such as; business succession planning and if business insurance would be advisable.

Special Situations: We all know life has unexpected turns. We will address these unforeseen hurdles together, by monitoring and modifying our plan of action as needed.