Delivering Financial Advice With Passion & Integrity

Financial Planning

We are a full-service wealth creation firm providing comprehensive, client-focused financial planning solutions designed to help you achieve clarity and confidence in your financial future.

• Cash flow & net worth analysis
  evaluating assets, debts, spending, and saving.
• Comprehensive Retirement
  Planning: stress-tested wealth and income projections; strategies for optimizing Social Security and taking RMDs
• Education planning
  using 529 plans, prepaid tuition plans, UGMA/UTMA accounts and other investment vehicles.
• Insurance analysis
  evaluating life, disability, long-term care, and umbrella coverage to identify potential risks.
• Personalized investment
  strategies tailored to your specific goals, risk tolerance, and time horizon.
• Tax and estate planning

Active Portfolio Management

We provide our clients with research-driven, active portfolio management focused on aligning investments with each client’s unique goals, risk tolerance, and time horizon.

We employ a disciplined investment approach grounded in fundamental and technical analyses. Our diversified strategies aim to manage risk and optimize returns, while ensuring that your investments remain aligned with your long-term objectives while being responsive to short-term market dynamics.

Our open architecture platform ensures that our clients have access to a wide array of investment vehicles: individual stocks, bonds, options, CDs, exchange-traded funds (ETFs), index funds, mutual funds, money market funds, alternative investments, and separately managed accounts (SMAs).

Retirement Plan Consulting

We partner with private business owners to design and manage competitive, ERISA-compliant retirement plans.

• Plan design consulting
  to optimize contributions and tax benefits at minimum cost.
• Investment analysis and
  selection: We work with you to construct a diversified menu of institutional-class mutual funds, ETFs, and target date funds that offer your employees access to best-in-class performance at minimum cost.
• Participant education sessions
  and tools to promote employee engagement and financial literacy.

Tax-Efficient Investing

We integrate tax reduction strategies throughout the financial planning process to help clients preserve and grow wealth.

• Tax-Efficient Investing: Choosing tax-advantaged investments and strategically locating assets to minimize taxes.
• Roth Conversions: Strategic conversions to optimize long-term tax efficiency.
• Charitable Planning
  through the use of donor-advised funds, qualified charitable distributions (QCDs), and bunching deductions
• Strategically managing capital
  gains through tax-loss harvesting and gain deferral techniques.