A full range of financial services to address your needs

Your financial objectives may range from accumulating wealth to planning for retirement to making your money last through retirement. In fact, over your lifetime, you will undoubtedly pursue all of these goals. With a full range of financial services, we can help you be prepared for all the significant events and milestones of your life.

Retirement planning

Because people are living longer today, the possibility of going 30 years without a paycheck takes careful planning and disciplined investing. We can help you with every phase of planning for your retirement. During your working years, the accumulation phase, we’ll develop and monitor a wealth accumulation plan based on your specific goals and objectives. As you approach retirement, the pre-retirement phase, we’ll assist you with critical decisions regarding retirement plan options, Social Security and tax planning. Then once you are retired, we will determine tax-efficient income and wealth transfer strategies designed to help you in retirement.

Retirement readiness checklist »

See if you have the income, resources and plan in place to pursue a comfortable retirement.

Retirement microsite »

Go more in-depth in matters important when you’re nearing or in retirement.

Asset allocation

Asset allocation is a long-term strategy designed to help investors achieve their financial goals without assuming undue risk. By allocating your assets to a diverse variety of sectors and investments, we attempt to increase the likelihood of generating a more consistent, positive return over the long term. Depending on your risk tolerance, the economic environment, your specific objectives and other factors, your portfolio may include domestic and global stocks, fixed income, real estate and alternative investments.

Asset allocation does not ensure a profit nor protect against loss. International investing involves special risks, including currency fluctuations, differing financial accounting standards, and possible political and economic volatility. Alternative investments are available only to those who meet specific suitability requirements. There are special risks involved with alternative investments, including investment strategies, and different regulatory and reporting requirements. Real estate investments can be subject to different and greater risks than more diversified investments. Declines in the value of real estate, economic conditions, property taxes, tax laws and interest rates all present potential risks to real estate investments.

Estate planning

Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can help ensure that your assets accumulated over your lifetime are preserved for the use you have intended. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.

Wealth management

We employ a disciplined and coordinated approach to address all the issues and complexities that often accompany the accumulation of wealth. It is customized to your needs and preferences, and designed to bring cohesiveness to your financial life. It often involves collaboration with other professionals such as your CPA and attorney.

Components of wealth management can include:

  • Wealth preservation and transfer strategies
  • Risk management
  • Liquidity management
  • Charitable giving
  • Management of concentrated asset positions

Financial planning

There’s much more to your life than simple transactions and returns. Similarly, there’s more to financial planning than just a portfolio and a retirement strategy. You have many things to plan for now, soon and well into the future, so we look at financial planning through a wide lens, and we develop strategies designed to keep you comfortable in the present while helping you reach your near- and long-term goals.

Our comprehensive financial planning services include:

  • Net-worth analysis
  • Cash flow planning
  • Strategic asset allocation
  • Retirement planning
    • Traditional IRAs
    • Roth IRAs
    • Qualified retirement plans
    • Company retirement plan rollovers
  • Education planning
    • Education savings accounts
    • 529 college savings plans
    • Custodial accounts
  • Trust and estate planning
  • Insurance and annuities
  • Liquidity and cash flow strategies
  • Tax planning and liability management

College planning

If your goals include providing for the future of a child or grandchild, we can help you investigate your many options and develop an education funding strategy. We can help you provide for this opportunity with investment vehicles such as Coverdell education savings accounts, 529 college savings accounts and specialized trust vehicles.

401(k) plan rollovers

If you’ve changed jobs or are retiring, rolling over your retirement assets to an IRA can be an excellent solution. It is a non-taxable event when done properly – and gives you access to a wide range of investments and the convenience of having consolidated your savings in a single location.

In addition, flexible beneficiary designations may allow for the continued tax-deferred investing of inherited IRA assets. We can handle all details for you, including contacting your former plan administrator, opening your new rollover IRA and completing the paperwork.

In addition to rolling over your 401(k) to an IRA, there are other options. Here is a brief look at all your choices. For additional information and what is suitable for your particular situation, please consult us.

  • Leave money in your former employer’s plan, if permitted
    • Pro: May like the investments offered in the plan and may not have a fee for leaving it in the plan. Not a taxable event.
  • Roll over the assets to your new employer’s plan, if one is available and it is permitted.
    • Pro: Keeping it all together and a larger sum of money working for you, not a taxable event.
    • Con: Not all employer plans accept rollovers.
  • Roll over to an IRA
    • Pro: Likely more investment options, not a taxable event, consolidating accounts and locations.
    • Con: Usually fee involved, potential termination fees.
  • Cash out the account
    • Con: A taxable event, loss of investing potential. Costly for young individuals under 59½; there is a penalty of 10% in addition to income taxes.
Longevity planning

Many of today's retirees can expect to spend 30 years or more enjoying the fruits of their labor. That's why it's increasingly important not simply to plan for retirement, but to plan for longevity in retirement - all of the years it might last, all of the ways your life will change and all of the events you can't foresee.


Learn about longevity resources available to you.

In addition to the financial implications, retirement has life implications. Our knowledgeable and experienced team can help you sort through the possibilities and offer financial advice designed to guide you up to and through the retirement you’ve envisioned.

Ask yourself these key retirement questions:

Where will you live?

Let’s talk about:

  • Do you want to stay in your home? Will it need to be modified?
  • What housing options are available to you, and what will they cost?
  • Would you want to downsize? Relocate to a pedestrian-friendly neighborhood?

How will you get around?

Being mobile means being independent. And retirement life brings more opportunity to go where you want whenever you want. That may help explain why transportation is the second largest expense for individuals older than 65 and accounts for about 15% of their annual expenditures, according to the Bureau of Labor Statistics. That’s why we make sure to account for it as part of your long-term financial plan.

Let’s talk about:

  • How will you get to your favorite places in retirement?
  • Who will assist you if you can't drive yourself somewhere?
  • What transportation options are available in your area?

How will you safeguard your health?

Your health and your finances are intertwined in complex ways. Most expect Medicare to pay for their healthcare expenses in retirement. But, in reality, Medicare pays only 60% of healthcare costs* - you still will have premiums, copays, and deductibles. As you age, healthcare costs can add up.

Let's talk about:

  • Do you have an existing condition? What will treatment cost over the long term?
  • Do you know what costs Medicare will cover?
  • How will you pay for what Medicare doesn't?
  • Have you considered Medigap?

*Employee Benefit Research Institute, 2015

How will you secure your legacy?

As you take the steps to plan for a comfortable retirement for as long as you may live it, it’s important to think even further. Ask yourself what kind of legacy you want to leave. How are you going to make sure you’re secure against financial fraud and work toward passing assets – and information – to your heirs to help secure your family’s future?

Let’s talk about:

  • Have you spent significant time thinking about your legacy?
  • Who will have access to your important documents and information when the time comes?
  • How will you protect your assets and inheritors from financial fraud?

Who will take care of you?

As we all live longer, chances are you may, at some point, provide care for a loved one or receive care yourself. Becoming a caregiver can be not only stressful, but also can have financial consequences if it requires taking time away from work. And long-term care is not covered by Medicare.

Let's talk about:

  • Do you understand the full impact of being a caregiver?
  • How will you get the care you need as you age?
  • Should you consider long-term care insurance?

Will you have enough?

Giving yourself every opportunity to save enough for a long, fulfilling life requires careful, detailed longevity planning - strategies for saving, investing and taking withdrawals. Making the right Social Security claiming decisions is vital to optimizing your retirement income strategy.

Let's talk about:

  • When are you planning to retire?
  • What sources of income will you have in retirement?
  • How much income you will need in retirement?

Setting goals is the first step in turning the invisible into the visible.

– Tony Robbins