Our mission is helping busy individuals and families discover their unique financial puzzle. By prioritizing and organizing each of their financial puzzle pieces, a picture emerges which embodies their financial goals.
Our practice is built on the principles of being a fiduciary, being independent, and being objective.
- Fiduciary: We are legally and duty-bound to put our clients’ interests ahead of our own.
- Independent: No outside company exerts any pressure on us to sell anything to anyone.
- Objective: We are committed to finding the best planning and investment opportunities that are custom fit to your overall needs.
The Five Pillars of Comprehensive Financial Planning
- Cash Flow Planning • Common sense income and expense coordination.
- Risk Management • Covering all aspects of various kinds of insurance.
- Tax Planning • Minimize or eliminate current and future taxes as much as possible.
- Investment Planning • Optimize the needed returns with the minimum amount of risk to achieve them.
- Estate Planning • Making sure assets are transferred to whom you want while you’re still alive and after you’ve passed.
What do you love? What gives you meaning? What’s important to you?
Your financial decisions are intertwined with your priorities in life. Our advisory process starts with a foundation of relationship and conversation. Only when we’ve established a framework of trust do we move on to strategy and implementation.
Generational Solutions • Each of you has different needs, goals, and concerns when it comes to your life, and especially your financial life. Plus, the differences between the various generations are more pronounced now than ever before. We take all this into consideration when we tailor our approach to Baby boomers, Generation X, and Millennials.
Suddenly Single • Becoming widowed or divorced can throw your life and finances into a tailspin. Managing the transition from being married to being single means crossing a lot of items off a financial checklist — at exactly the time when you’re least equipped to deal with them. It can also mean having to master new financial skills that may not have been part of your duties while married.
Information is everywhere. 24/7/365. Data. Big data. It certainly has the potential for overload, at least some of the time. But just because it exists doesn’t necessarily make it meaningful.
It takes some time to develop this knowledge, to learn to differentiate, and to learn what is the most important information for the particular situation you are in at certain points in time.
Wisdom marries the first two with experience. And for most of us, there is no substitute for experience.
Imparting wisdom to help clients make good financial choices is what we do.
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