Every good plan begins with establishing your Current Financial Situation.  “You Are Here” is articulated in a current Net Worth Statement and Cash Flow Statement.  Quantifying targets and goals translates our clients’ dreams into facts and figures, allowing us to chart a course to where “X marks the spot.”

Clients deserve to have a clear measuring stick when it comes to evaluating their investing performance.  So often, clients hear that the markets are up or down, and are seemingly content knowing they’re in the same boat as everyone else.  BUT… How much up or down should they be, based on their risk tolerance and life stage?  Let’s take the jargon and guesswork out of this business and see what you’re really paying in fees and how your portfolio is really positioned.

How risky are you?  How risky do you need to be?  How risky do you want to be?  Asset allocation can have multiple meanings depending on who you ask.  Modern Portfolio Theory says asset allocation makes up to 91.5% of the expected return’s real result.  Using over 30 asset classes to categorize investments, we start with the backbone of our clients’ recommended portfolio, and take advantage of opportunities with tactical strategies and other core-satellite systems.

Everyone needs insurance coverage; some more in some areas, than others.  No one wants to have insurance they don’t need, and no one wants to have too little when it’s time to use it.  Insurance is a cost-benefit game.  Minimize the cost and the risk of life events catching you off guard.  Medicare, health, disability, life, long term care, property, casualty, umbrella, annuities… oh my!

Whether you’re beginning to save, changing careers, transitioning, or maximizing your retirement distribution plan, it’s incredibly important and complex.  Savings rates, projected spending, inflation, taxability, investment costs, liquidity, compounding returns, sequence risk, employer sponsored plans, pensions, annuities, longevity risk… the variables are countless.  Let us show you how simple it can be.

Successful wealth management gives rise to the necessity of a complete review of distribution plans at death.  Effective estate planning is all about control and efficiency.  Federal Estate Tax, Generation Skipping Tax, Federal and State Income Tax on Trusts and Estates, and probate costs can devastate clients’ legacies.  Proper titling of assets, accounts, and beneficiaries, as well as properly executed wills, trusts, and powers of attorney are pieces of a complete Estate Plan.