Services

You’re barraged with hundreds of financial decisions in your lifetime. Start building your financial security. Let us help you make smart financial decisions.

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What we do

Premier Provider for Financial Advice

We are your financial advisor on call. Start building your financial security so we can help you analyze and make smart decisions. Our comprehensive financial planning and investment services are listed below. See our FAQ for details on pricing.

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Investments

Review your mutual funds, ETFs; recommend any changes
Institutional classes to lower expenses
Your pensions at work
Review and evaluate your performance, expenses
Strategies to safeguard value: dollar-cost averaging, tax-shifting, etc.
Research to stay abreast of changes

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Cashflow

Type of debt comparisons – which to use
Comparing mortgage alternatives
Net worth statement

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College Planning

529s – for yours or grandkids
UTMAs
Tax Credits

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Retirement Planning

Saving enough and saving smart
Spending too much
Maximizing social security
Affording senior residence facilities
Second homes/large expenditures

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Insurance

Life – analyzing how much is needed, and quote
Property & Casualty – reviewing for gaps
Disability – analyzing how much is needed, and quotes
Long-term Care – analyzing coverage, options to premium increases
Medical/Medigap

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Tax Strategies

Gifting investments to achieve lower tax on capital gains, in appropriate situations
Using multiple selling points over multiple tax years to avoid higher tax brackets
Using tax-advantaged vehicles, such as health savings accounts, IRAs
Tax-shifting between investment accounts
Simple, SEP, Sole 401k pensions
Analyzing options with your CPA to assess which gives us the largest advantage
More

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Sustainable Investing

Can incorporate ESG and socially-responsible investments, both ETFs and mutual funds
Integrate to the extent you direct: 30%, 50% or more of your dollars are invested in this manner

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