“A 65 year old couple has a 45% chance one of them will live to age 90.”
“Advisors can add about 3.0% of Advisor Alpha in net returns.”
“The hardest thing in the world to understand is the income tax.”
“Failing to plan is planning to fail.”
“55% of Americans die without a will or estate plan.”
“Only 32% of Americans have made a comprehensive financial plan.”
Identifying and prioritizing your goals and then arranging your financial affairs to support those goals.
We build a custom model of your future spending, saving and investing to simulate and test various scenarios. This framework allows us to analyze the investment, tax strategy and insurance decisions which will maximize the likelihood of success.
Using the rules of our complex income tax system to minimize your tax burden.
Adding value through smart tax planning lowers the risk needed in your investments to achieve your goals while increasing available lifetime cash flow.
Deciding how much risk to take as the starting point for determining your specific investment mix.
We analyze your current investments and optimize your portfolio to be well diversified, low cost and tax efficient.
ESTATE & GIFT PLANNING
Planning your estate to achieve your legacy with ease of management and transfer while minimizing the tax impact.
After outlining your intentions we help align your will, trusts, titling and beneficiary designations to support your plan. We work with your estate planning attorney to formulate and manage the ongoing estate plan.
Protecting against catastrophic financial loss with the right type and amount of insurance.
We review your current coverage and look for gaps and over-insurance. If you need additional coverage, we work with your agent or help you find one to protect you and your family.
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