What We Do

Financial Planning and advice involves a wide range of important subjects, each of which can affect our clients at different stages of their lives.  In our 35-plus years of experience, we have identified seventeen separate areas of focus which most clients need to consider in their planning.  By developing a process for each of these seventeen focus areas, we address and can be sure that our clients have taken a comprehensive look at their financial lives and we continue to monitor those issues throughout the course of our client relationships.  Some of those seventeen issues are...


Fee Based Investment Management

Fee Based Investment Management

We help our clients invest their money for realistic returns with active, risk-managed portfolios that seek to reduce downside risk and achieve potential long-term returns taking appropriately measured risks with proper consideration to tax consequences. Through our affiliation with LPL Financial, a Registered Investment Advisor, we use a number of fee-based platforms which enable our clients to invest in mutual funds, ETFs and individual securities such as stocks or government bonds. In addition, we purchase third party research to assist in developing diversified, risk-managed models.  We always think about "Risk First, Reward Second".


Retirement Income/Social Security Planning

Retirement Income PlanningOur mission is to make sure you have enough money and you don't run out!  By coordinating Pension, Social Security and other retirement income resources, we can help identify three different levels of retirement readiness and exactly how much you will need to retire with the lifestyle you want.  If you're not there yet, we can help you get there.  It's important to consider all of your alternatives when coordinating Pension Benefits, Social Security Claiming Strategies and other retirement distributions to maximize income and extend the life of your portfolio.  We can help you create retirement income designed with the goal to last a lifetime.


IRA Distribution Planning / 401(k) Allocation Advice / RMD Management

IRS rules are complex and the penalties are severe. We are specialists in IRAs and 401(k)s and can help you through any challenges in those areas whether it be assistance with your current employer's retirement plan investment options or considerations with IRA distributions.  If you are faced with any of the situations below, don't make a change until you've consulted with a professional. Call us if:

IRA Rollover Distribution Planning
  • You have concerns about the risks and costs in your current employer's retirement plan and would like help with your options 
  • You have retirement assets with an old employer and would like to talk about your alternatives
  • You're unsure about the significance of reaching ages 55, 59 1/2, 62, 65 and 72
  • You are thinking about taking income or distributions from retirement assets and are concerned about taxes and penalties
  • You are facing Required Minimum Distributions at or beyond 72   
  • You are the beneficiary of an IRA and want to minimize or defer the tax impact


Estate Planning

Estate planning is one of the most important aspects of family wealth management. We work as a team with many estate planning attorneys to be sure your plan is well thought-out and your documents are in place to reflect your plan for both before and after your death.

Estate Planning








We can consult on:

  • Asset titling planning
  • Impact of Account and Trust Beneficiary Distributions
  • Family gifting and charitable giving strategies before and after death
  • Income and estate tax liabilities and strategies
  • Explanation of estate planning structures/documents- wills, Power of Attorney, trusts
  • Business succession planning






When a loved one dies, things can get complicated at a difficult time.  Our office assists families in estate planning by coordinating with their attorney to advise on planning strategies related to:

  • Ownership titling and re-titling
  • Beneficiary claims
  • IRA beneficiary's inherited accounts
  • Life insurance policy claims
  • Pension, 401(k), profit sharing claims and transfers 
  • Trust administration

​Tax Planning

Don't assume your tax preparer is doing this for you. By properly coordinating your retirement savings, earned income and retirement distributions with your pension and Social Security income, we can help to ensure that your taxes are managed appropriately.






We help our clients coordinate their insurance issues as they relate to:

  • Life Insurance
  • Disability Insurance
  • Long Term Care Insurance

Our process involves an efficiency analysis of our clients' insurance to measure both the adequacy of their coverage and the cost effectiveness of their policies.  Once we determine the appropriate coverage and policy type, we can often help a client to keep the same coverage for a lower premium or pay the same premium and get greater coverage. 


Liabilities & Debt Management

Debt Management

We believe that managing the “other side” of the balance sheet can be as important as managing the assets. We help our clients evaluate the cost effectiveness and structure of their credit facilities and be sure they are coordinated with their total Wealth Management Plan. The hundreds of creative credit arrangements available to affluent clients can help accelerate the rate of wealth creation and may help protect and preserve established wealth. While pricing is always important, loan structure can allow a client to match up cash flow requirements and provide flexibility in the overall plan.