Services

1. Retirement Planning - Retirement is one of the most important financial goals for every American. There are many factors that you need to be aware of both during the pre and post- retirement phase.

We can consult you on:

• How much risk is appropriate given your stage in life
• Calculating retirement income planning like early retirement dates and Social Security timing
• Mitigating healthcare expenses in retirement

2. Tax Management - Taxes are the common ground between any financial niche like estate planning and investments.

Therefore, we can help you:

• Ensure that your portfolio is tax-efficient by selecting tax-advantaged investments
• Navigate through tax-advantaged investment accounts and rules that impact the taxation of investments
• Find a qualified tax specialist via our network

3. Estate Planning - A proper estate plan will help properly pass down your assets or business to your designated heirs, instead of being excessively taxed. While our team members aren’t estate planning attorneys, we collaborate with estate-planning and trust specialists.

Our knowledge and network will allow you to:

• Properly establish wills, revocable/irrevocable trusts, and health care directives
• Minimize estate and gift taxes
• Prevent assets from going through an expensive and lengthy probate process

4. Education Funding - It’s no secret that college costs in the United States are becoming excessive and are rising more than double the rate of inflation.

Luckily, you can work with us to discover ways to:

• Properly select investments for college funding
• Choose the correct tax-advantaged accounts
• Inquire about appropriate loan terms, scholarships and more

5. Risk Management - Risk management or insurance will protect you and your family in case of a financial disaster. As licensed insurance professionals, you can rely on our expertise without sales pitches or hidden conflicts of interest.

Instead, we’ll guide you through:

• Whole Life and Term Life Plans
• Fixed, Indexed and Variable Annuities
• Long Term Care, Health Insurance and Disability Insurance

6. Investments - Investing is more than trying to time the market or select a “hot stock.” Rather it’s building a portfolio based on your goals and risk tolerance.

Some of our investment services include guiding you through:

• For our portfolios we use a tool called Riskalyze which helps to outline how much risk is and should be present in our clients accounts
• Stocks, other equities and fixed income products like government bonds and corporate bonds
• Exchange-traded funds (ETFs) and mutual funds
• Alternative investments including private equity Our clients can benefit from our Riskalyze projections that will let you determine if your portfolio is properly tailored to your risk profile and life stage and circumstances

7. Employee and Executive Benefits Employee compensation is more than just a salary, and you can use employee benefits to attract as well as retain top talent.

We can educate you and your employees about:

• 401(k)/403(b) plans
• Health insurance policies
• Short and long term disability plans
• Deferred compensation and equity award arrangements