Who We Serve

Pre-retirees and Retirees

You may have spent your working life accumulating wealth. Now you are getting ready to move to the next phase. This will involve a fundamental change in how you view and manage your wealth. While looking at ways to increase it, you are now also looking at ways to protect it to maintain your lifestyle and leave a legacy. The next stage of your life will be different.

The focus has moved from saving to growing, protecting, and enjoying your wealth.

We can help you address several realities:

• You may live longer than you expect, and maintaining your lifestyle could become a challenge.
• Managing your tax bill is even more critical to protecting your assets over time.
• The strategies for creating a tax-efficient, life-long income are different.
• Your ability to leave a legacy depends on a well-thought-out plan.

We are here to listen and help you look forward to a long and comfortable retirement.

Business Owners and Entrepreneurs

We work with business owners and entrepreneurs who have spent years and even lifetimes building their business. Whether you are just starting out or have an established business, we can help you maintain your lifestyle now and throughout your retirement. Building wealth goes beyond running a strong balance sheet and showing profits each year. A key to enjoying the results of your hard work is to build wealth inside and outside your business.

Building wealth goes beyond running a strong balance sheet and showing profits each year. A key to enjoying the results of your hard work is to build wealth inside and outside your business.

We can guide you in creating:

• a succession plan to help ensure you get the return on your life investment you deserve
• a holding company, a life insurance policy, and other tools to limit your tax liability
• a well-diversified investment portfolio outside the business that can continue to generate income long after you have sold or moved on from your life as a business owner

As fellow business owners, we understand your needs and are here to help.

Families

Our role in guiding families is twofold: first, to guide clients to the most tax-advantaged ways to pass along wealth that match their current goals; and, second, to help the next generation understand the impact of sudden-wealth events (such as inheritances) and how to prepare for them in advance.

We believe that strong communication between different generations is critical because as the values and goals of all members are heard, conversation among them becomes easier. By taking the time first to ask questions in a comfortable environment, we learn about your life goals and your family dynamics. We then customize an investment plan that confirms where you are financially and where you want to go.

An estate plan follows that gives details of what you wish to leave behind, how you want it to impact your children’s and grandchildren’s lives, and how much flexibility you want in the way they use your legacy. Our careful and ongoing management of your family’s wealth will help family members to focus on their life goals knowing their wealth management needs are in good hands.

Women, Wealth & Well-being

Women’s financial well-being is often shaped by living longer, retiring earlier, pay disparity, and time out of the workforce as primary caregivers for children and aging parents. This means that the average woman will earn and invest less than a man over the long-term and spend more time in retirement years.

Together, we can create a financial plan that truly considers your needs, clarifies your goals, and explores all your “what if” questions. This includes factoring in the long-term costs of healthcare, living independently, evolving family dynamics, and proper estate planning.

Whether you’re looking to grow or protect your wealth, we understand it’s not just about investment returns—real financial advice is about you and how your money can provide security in your life and the lives of those you care about, today and tomorrow.