Our Services

One of life’s greatest rewards is sharing your wealth with others. Managing assets to take care of one’s own needs and wants is one thing, but it takes additional planning and knowledgeable guidance to help ensure your financial legacy makes an enduring difference in the lives of loved ones or a favorite charity.

Having an estate plan to control the distribution of your assets benefits everyone and can help mitigate potential pitfalls in the future. We have the experience and resources to assist you with a personalized plan that not only protects your assets but also enables you to share your wealth with the people and charities you care about most.

We are here to make legacy planning a positive, life-affirming endeavor that leads to preserving your family values and your assets transferring efficiently and according to your wishes. We have access to experts in trusts, insurance, philanthropy and family dynamics. Our team is also adept at working with other professionals – such as CPAs and attorneys – to help ensure a well-coordinated approach, that your wishes are communicated to all involved, that your thoughts are thoroughly and accurately documented, and that your plans are amended appropriately as new marriages and births occur in your family.

Various instruments work within your overall estate plan to provide certainty and control over everything you have worked for and accumulated during your lifetime, regardless of asset level. Examples include wills, trusts, insurance policies, and carefully considered durable powers of attorney. Using instruments such as these can give you the confidence to know that your estate will be handled as you wish and can potentially exclude probate – a lengthy and expensive process. Well-documented estate plans may also help your family avoid the court’s involvement in appointing a guardian or conservator in the event of incapacity. Thorough documentation can provide long-term care or education for children or grandchildren, while other investment vehicles can provide for a favorite charity.

We work with you to ensure your wishes are communicated in writing and are legally binding. Moving forward, we will revisit your plan regularly to ensure it is up to date.

Making charitable giving part of your financial and estate plan enables you to support the charities and causes you love, now and in the future. Moreover, having the right charitable giving strategy can help further your overall wealth management plan. There are many ways to make charitable giving part of your overall financial plan, each with its own level of control and tax benefits. Some options provide immediate or future tax deductions, while others can provide a continuous income stream. In any case, our goal is to help ensure tax-efficient giving so that your estate or charity of choice receives the most benefit from your gift.

We can provide recommendations that benefit you now and offer the opportunity to shape the way you wish to be remembered.

Realistic goals provide the foundation for a solid financial plan. That is why it is important to codify your own. They can include educations for children, a second home, your income needs in retirement, your philanthropic interests, and plans for your estate. We will work closely with you to identify and define your near- and long-term goals, check for goals that may conflict, and work to resolve conflicts that arise. Even more important, we’ll set metrics to define success and adjust your plan as necessary.

Along with a complete picture of your goals and time horizons, a personalized plan must incorporate current assets and liabilities to establish your net worth and review it throughout the years to come. We also consider your comfort level with risk so investments can be made accordingly. If applicable, consideration is also given to consolidating accounts to make finances and cash flow easier to track and manage.

We believe a financial plan should be as dynamic as the life it represents. Things change, priorities shift, and new opportunities wait just over the horizon. That is why we review your plan’s progress relative to your defined objectives. Together, we review the options and make objective decisions. To keep you apprised, we provide ongoing reporting of your account activity and conduct periodic reviews. Because we are indeed partners in this important endeavor, we also rely upon you to communicate any significant changes in your life.

Long-term investors can reap the benefits of holding fixed income investments to maturity, a strategy that helps to provide reliable, steady interest payments to fortify your income stream while also preserving principal. We have access to a broad array of investments, including some that are tax-exempt and or tax-efficient when it comes to providing yield and predictable cash flow to support your desired lifestyle. We are well-versed in matching your specific goals and risk tolerance with investments that best align with your needs.

We are knowledgeable about both the risks and rewards inherent in fixed income products and the variety of tax-exempt and taxable investments available. We seek out high-quality investments and manage them in a way designed to safeguard your hard-earned wealth from erosion due to inflation or taxation. Investors who take the long view and hold high-quality bonds to maturity can generally expect a full return of their principal, as well as the stated yield.

Fixed income is a valuable tool for establishing a solid foundation for your portfolio by providing diversification to help smooth out pockets of volatility as various asset classes rotate in and out of favor. We select individual fixed income investments that are not only of a high quality on their own but also work seamlessly with the rest of your portfolio to deliver a reasonable total return at a risk level you are comfortable with.

Your life and financial circumstances are unique, and so are your needs for your wealth management plan and portfolio. Your bond allocation depends on many factors, including your time horizon, risk tolerance, need for income, and future goals. We narrow the investment universe to choices that offer you a combination of income and stability. We leverage the extensive resources and utilize rigorous analysis and due diligence to structure a portfolio that precisely suits your objectives.Over the years, we’ve learned that careful evaluation and selection of investments demands close attention through various market environments. We independently scrutinize each investment so we can present you with a truly personalized strategy and plan.

We work closely with you to gain a thorough understanding of your priorities for risk, capital growth, and preservation before carefully selecting investments to suit your needs. We review your allocations to ensure they are appropriate in the market environment and for your unique situation.

We sift through the many investment strategies to uncover those we believe to be of the highest caliber, judged by potential for growth, capital preservation, income, and other factors. We then further refine that pool to reveal options suited to your specific needs, placing your best interests first in all decision-making. Your assets and needs are unique, and we believe your investment strategy should follow suit.

Many of today’s retirees can expect to spend 30 years or more enjoying the fruits of their labor. That is why it is increasingly important not simply to plan for retirement, but to plan for longevity in retirement – all of the years it might last, all of the ways your life will change, and all of the events you cannot foresee. In addition to the financial implications, retirement has life implications. We can help you sort through the possibilities and offer financial advice designed to guide you up to and through the retirement you have envisioned.

Ask yourself these key retirement questions:

Your health and your finances are intertwined in complex ways. Most expect Medicare to pay for their healthcare expenses in retirement. But, in reality, Medicare pays only 60% of healthcare costs* – you still will have premiums, copays, and deductibles. As you age, healthcare costs can add up.

Let’s talk about:

– Do you have an existing condition? What will treatment cost over the long term?

– Do you know what costs Medicare will cover?

– How will you pay for what Medicare doesn’t?

– Have you considered Medigap?

*Employee Benefit Research Institute, 2015

As we all live longer, chances are you may, at some point, provide care for a loved one or receive care yourself. Becoming a caregiver can be not only stressful, but also can have financial consequences if it requires taking time away from work and long-term care is not covered by Medicare.

Let’s talk about:

– Do you understand the full impact of being a caregiver?

– How will you get the care you need as you age?

– Should you consider long-term care insurance?

Giving yourself every opportunity to save enough for a long, fulfilling life requires careful, detailed longevity planning – strategies for saving, investing and taking withdrawals. Making the right Social Security claiming decisions is vital to optimizing your retirement income strategy.

Let’s talk about:

– When are you planning to retire?

– What sources of income will you have in retirement?

– How much income you will need in retirement?

With respect to prime brokerage services and the safekeeping of client assets, we offer high-quality solutions customized to meet our clients’ needs. Our investors also enjoy simple and secure access to their portfolio data, as well as robust reporting capabilities. You can monitor the details of your investment positions and transactions in one place using a consolidated view that facilitates record-keeping.

We understand that there should be no compromise when it comes to your financial future. That’s why we work diligently to serve as the ultimate steward for your wealth, simplifying life’s complexities with a full spectrum of strategies for a tailored plan that we believe is the only one you will ever need.

No matter what stage of life you are in, we can help you pursue independence, freedom, and the things that matter most to you. Your journey begins now. Let us help get you on your way.

One of the most important functions we serve is helping to protect all you have worked to build. Fortunately, there are several ways to help. It takes the right approach and steadfast discipline and diligence to assess the risks that could derail your life goals and build a contingency plan to limit the effects. As your experienced guide, we consider where your risk lies and determine your level of comfort with it, exploring what actions and plans to put in place to provide the level of protection you need and deserve.

We tailor your financial plan to prepare for the unexpected, which could include preserving your estate with long-term care insurance, building a protective cushion with life insurance, and combining protection and tax-advantaged growth opportunities with annuities. Working together, we help you protect your overall financial plan, your way of life, and your ability to reach your goals even when the unexpected happens.

One of the risks we all face is the potential for sudden illness, disability, and, subsequently, the need for long-term care. These risks have far-reaching effects, not just on your health but also on your way of life, your ability to earn income, and your overall finances. We help prepare you and your family for the unexpected by ensuring you have the right types and amounts of insurance, including disability insurance, to provide income if you are unable to work.

Sustainable investing, an approach that integrates environmental, social and governance (ESG) criteria, is becoming a much sought-after strategy in the financial industry. Whether implemented through socially responsible investing (SRI) screening, ESG integration or impact investing, sustainable investing offers a growing number of options for investors interested in pursuing goals beyond financial growth when building their portfolios.

Through sustainable investing, not only can investors aim to make a positive impact on society and the environment, they can potentially improve the risk/return characteristics of their portfolios by factoring environmental, social and governance (ESG) criteria into their investment decisions.

The paths to pursuing effective global stewardship and possible growth are coming together in the investor mindset. When incorporated into a well-defined, long-term investment plan, sustainable investing can be a powerful tool in addressing global challenges while helping to achieve personal financial goals.