We develop a customized financial program walking you through a step by step process ensuring you understand it and are confident in your decisions.  The plan is based on your goals and dreams.  We commit to meet with you on a regular basis to review your progress and determine the necessary steps to achieve your goals.

Our Process

We believe in following a proven planning process for you as our client:

•  Initial meeting - define scope of engagement

•  Understanding your needs - getting to know you, your goals, needs, and priorities

•  Research & Analysis - identify the best solutions to fit your needs

•  Mapping your plan - designing & customizing a plan for you and your family

•  Implementation of your plan - putting your plan into action

•  Monitor & service your plan - Regular contact and education is essential to keeping you informed about your investments as well as the financial life plan we created together

Goals Review 

We start and end with your goals and dreams.  Regular communication is the key to ensuring that those are met.  Together, we will determine the frequency of our reviews--quarterly, semi-annually, or annually-- to ensure you know exactly when and how often we will meet.  As such, our firm will reach out to you to schedule reviews of your current situation and any life changes that may have occurred.  These reviews can be in the form of an in-person meeting or phone call and will focus on life events that may have altered your needs.  If in the meantime, a major life event has occurred, we urge you to reach out to our firm, as we are committed to helping all of our clients remain on track to reach their financial goals.  Major life events could include:

•  Change in marital status
•  Retirement
  
•  Purchase of a home                       
•  Death of a family member or friend
•  Birth of a child                                
•  Natural disasters
  
•  Change of occupation or job          
•  National Emergencies
  
•  College for children/grandchildren  
•  Inheritance

Financial Planning

As part of our ongoing service, our team will review and update your financial plan on an as-needed basis.  If you have had recent life changes that require a review and/or update to your financial plan, please let us know so we can update your plan accordingly.  As a part of plan development, we review your goals and objectives to ensure you are on track and that we are providing proactive service to help you reach those goals by incorporating the following services

Tax Planning Discussion                     Savings and Emergency Funds

 Cash flow/Income Planning                Accumulation Goals

 Charitable Giving Review                   Philanthropic Goals

 Education Planning                            Income Planning

 Insurance Needs Analysis                  401K Rollover Planning

Investment Management

Experience tells us that a disciplined and diversified approach to investment management offers the greatest potential for investment success.  We believe that a family's approach to investing should not only include diversification among asset classes, but various strategies as well.  With that in mind, we will track and manage your investment strategy by offering the following services:

• Ongoing Portfolio Management              
• Asset Allocation Review
• Active Portfolio Management - Strategic and Tactical
• Indexed Strategies with Principal Protection
• Risk Tolerance Analysis
• Asset Allocation Review
• Tax and Cost-Basis Reporting
• Diversification Strategies
  

Tax Planning

The goal of tax planning is to evaluate and arrange your financial affairs to minimize your taxes based on your current situation.  We can assist with this in variour ways which include:

• Tax Gain/Loss Summary
  
• Forward Year-End Tax Planning Information to your personal CPA
• Conduct phone calls with your CPA to review tax issues
• Coordination with your CPA and Attorneys as Tax Deveopments occur

Insurance Planning

As major life changes occur, we will evaluate your insurance coverage to ensure you are not unnecessarily exposed.  As part of our ongoing engagement, we will continue to evaluate the following:

• Insurance needs analysis
• Asset protection
• Disability Income Insurance
• Long-Term-Care Insurance
  
• Business-owned life insurance
• Individually-owned life insurance

Estate Planning

The goal of estate planning is to anticipate and prepare for the alloction of your estate.  We offer the following services to assist you with this:

• Estate Plan analysis, review and coordination with other professionals
• Wealth distribution strategies
• Beneficiary designation allignment