What we do.

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Create operational efficiency.

Your finances are like a machine and the output is a sum of the parts. When components are in sync and functioning properly, the machine hums along nicely. Sometimes, the machine is still operational, but it is not functioning at its peak capability. Our job is to thoroughly inspect the machine, diagnose potential issues, and spot inefficiencies. Many times, we find weak or missing links, cogs in the operation, or maybe a moving part that just needs a little grease. In practical terms, these could be gaps in insurance coverage levels, investment products that don’t align with your goals, saving in places that aren’t as tax efficient, or paying too high of an interest rate on debt, to name a few. The formal diagnosis opens the door for recommendations and repair.

Offer solutions that fit your goals.

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Comprehensive Planning

  • ‘The works’—see description below

  • Detailed analysis of overall financial situation

  • Detailed strategy formulation

  • Ongoing adjustments and review of plan

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Wealth Management

  • Discretionary management of assets

  • Portfolio construction with ongoing management and rebalancing

  • Emphasis on low-cost options

    • May incorporate both passive and active strategies

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Hourly Planning

  • Project-based planning

  • Second opinions

  • Segmented planning

    • Analysis of one or several aspects listed below:

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Insurance/Annuities

  • Life insurance selection

  • Disability insurance selection

  • Long-term care insurance selection

  • Annuity selection

What are the elements of a ‘comprehensive plan?’

Manage.

  • Emergency reserve

  • Cash flow management

  • Savings capacity

  • Debt management

  • Life Insurance

  • Disability Insurance

  • Long-term care insurance

Build.

  • Investments

    • Stocks, Bonds, Mutual Funds, Index Funds, Exchange Traded Funds (ETFs), Annuities

  • Tax-managed savings strategies

  • Managing investment costs

  • Gauging risk tolerance

Distribute.

  • Create a sustainable retirement income stream

  • Social Security collection options

  • Pension income strategies

  • Risk tolerance

  • Tax-managed distribution strategies

Legacy.

  • Goal formulation and documentation

  • Review estate planning documents

  • Tax-managed strategies

  • Review medical directives

  • Communicating plan to heirs