Investment Management Services

• Review your investments and design personalized portfolios appropriate to your goals, timelines and tolerance for risk
• Year round, continuous monitoring of your investments
• Regularly scheduled meetings to review and evaluate your investment performance
• Independent objective expert advice
• 24 hour access to current investment information as well as other important documents via a secure personal website.
• Objective review of asset allocation within your employer provided retirement plans such as 401(k)’s
• Annual Investment rebalancing and financial objective review

Retirement Income & Distribution Planning

• Analysis of your income needs now and in the future
• Develop a written distribution plan
• Develop and implement recommendations to fund your income needs and help maintain a comfortable standard of living
• Recommendations for optimizing the best distribution strategies for your employer retirement plans and IRAs
• Review of the beneficiaries; assist with establishment of Inherited IRAs to maximize IRA distribution stream for your heirs

Tax Reduction Planning

• Comprehensive review of your tax return to highlight opportunities for maximizing tax reduction strategies
• Quarterly review of your tax situation with planning to incorporate any new tax law changes
• Complementary consultation with your tax preparer
• Recommendation of tax solutions including tax advantaged investments
• Up-to-date knowledge of new tax laws that can affect your situation

Risk Management Services

• Analysis of your risk management needs, now and in the future
• Policy Review Program to provide objective assessment of current risk reductions strategies
• Annual review of Life, Disability, Long Term Care and Property/Casualty Insurance Policies
• Independent Insurance Needs Analysis
• Development and implementation of new risk reduction comprehensive strategies

Family Wealth Legacy & Estate Planning

• Analysis of your current estate plan and concerns
• Complementary consultation with your attorney
• Utilizing Charitable Trusts, Special Needs Trusts and gifting considerations
• Assistance in transferring assets to your Living Trust or other trusts
• Providing guidance with the appropriate and necessary steps in the event of the death of a loved one

Client Services & Communications

• Weekly/Monthly/Quarterly Newsletters to keep you apprised of the most current planning options
• Quarterly Reviews