Planning Services

We don’t have enough room to describe all that we do for our clients. We’ve helped clients test drive new cars. We’ve helped clients arrange for a move. We sometimes help with odd things because we genuinely care about our clients and want to make sure they don’t get taken advantage of. But here are our main services.

Financial Plan

This is the starting point in the process of determining what needs our clients have. We want to know the nitty, gritty details of our client’s financial situation so we can truly understand how we can best help them. We then craft a plan that, if followed, is likely to result in a happier and financially satisfying life. We let our clients define what makes them happy. We just work to get them more of it. Usually it has something to do with money. More often, it has to do with time. Our plan is centered on giving you more time to enjoy your life.

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Investment Management

We offer direct management of your investment portfolio. We do not outsource the investment process to third party advisors and simply collect a fee. Our philosophy is focused on investing in growth assets and implementing hedging structures to significantly reduce downside volatility. Combining growth with safety is the engine that will generate the returns our clients need to retire successfully – on their terms.

Click “here” for more details on how we do this.

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Budget/Debt Payoff

Many younger families find themselves in debt after paying for college, buying a home, cars, having kids, etc. There is a great feeling of peace once the stress of debt is removed forever from your life. Not only is it less stressful to be free of debt, your net worth also increases much more rapidly. We would love to help you get to this point in your life as early as possible.

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Income Tax Management

We analyze our client’s financial systems and structures to find ways of legally reducing your tax bills. We try to be creative but we always use strategies that are proven and that have substantial backing with the IRS. Further, we work with top CPAs from other firms to make sure our clients get accurate advice and expert service when it comes time to implement recommended tax strategies.

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Business Retirement Plans

We take pride in being able to guide small businesses through the process of installing retirement plans. We work to the objective of the business owner. In most cases, the priority is placed on helping the business owner build up a substantial retirement balance in a relatively short amount of time. In other cases, the business owner wants to install a plan mainly for the benefit of the employees. Whatever the situation, we can help you make a plan work the way you need it to. We have experience advising on the following plans:

• 401(k) and Profit Sharing
• 401(k) Safe Harbor
• Individual 401(k)
• Simple IRA
• Defined Benefit
• Cash Balance

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Life Insurance

Beyond the basics, we can make life insurance do some pretty creative things for you: provide lifetime tax-free income, pay for Long Term Care, pay estate taxes, buy a competitors’ business at a guaranteed price, keep your best employees around, etc.

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