Financial & Retirement Planning

Investment management is about maintaining a consistent and disciplined approach to help you stay on track toward your long-term financial goals. We maintain a highly proactive approach to both monitoring and communication. Our services include:

• Rebalance and update the portfolio allocation  

• Monitor investment performance

• Monitor tax exposure from withdrawals, taxable income and capital gains

• Review taxable accounts for tax-deductible losses

• Monitor investment costs, yield and other analytics.

• Maintain the Income Ladder and withdrawal strategy

• Assist with RMDs, tax withholdings, trusted contacts, and beneficiaries

• Provide proactive guidance and communication

Taxes are an important factor in financial planning and can have a significant impact on your future.

In addition to managing taxes within your investment portfolio, we can provide tax planning guidance on stock options, significant stock sales, real estate transactions, and Roth conversion strategies. 

We help protect you, your family, and your assets from major financial loss due to death, disability, declining health, accidents, and lawsuits. Life's tragedies are significantly amplified when you don't have adequate resources to support yourself and your family's needs.

We review your current policies and discuss your unique needs to ensure you have the right protection in each of these areas:

We’ll review and advise on your cash reserves, short-term needs (remodeling, etc.) and use of debt.

While not attorneys, we can assist with various parts of an estate plan.

• Review and advise on the beneficiary designations on your retirement accounts and insurance policies to ensure your assets are transferred efficiently to your chosen heirs, helping you avoid costly probate delays and potential family conflicts.

• Provide education on estate planning strategies and the documents that can make up an estate plan.

• Structure assets within revocable or irrevocable trusts to control, protect, and transfer wealth.

• Help you explore charitable giving options—including donor-advised funds, charitable IRA distributions, and legacy gifts—that align with your values and maximize tax benefits.

As noted in the beginning, financial planning is not a one-time event. It is an ongoing process that needs to be tracked and monitored, especially as life and circumstances change.

Instead of a traditional “annual review”, we regularly provide clients with a Wealth Review, which is a comprehensive update of your overall financial plan. We proactively measure your retirement plan progress, assess various aspects of the portfolio, review taxes, non-investment assets, debt, insurance, and beneficiaries. The Wealth Review is accompanied by an executive summary that discusses the things that are going well, points out areas of concern, and addresses any questions we may have.