Retirement Planning

As you strive to pursue your lifestyle goals in retirement, it’s essential to have a plan in place. We work with you to implement a customized retirement strategy to help you live out your retirement dreams.

We take the time to answer all your questions so you can retire with confidence.

  • Will I have enough money to last for the rest of my life?
  • How much risk should I take?
  • Can I afford to make gifts during my lifetime?
  • How will I pay for health care expenses in retirement?
  • Will I be able to leave a legacy for my loved ones or a favorite charity?
  • What’s the best timing for Social Security payments?
  • Will my spouse be okay?
  • What will I do if the unexpected happens?

As retirement nears, we gradually shift your portfolio from accumulation-focused to distribution-focused, based on your retirement timeframe and risk tolerance. We then establish a steady income stream to cover your monthly expenses. Your custom retirement income strategy incorporates all potential sources of income, including employer-sponsored retirement plan assets, individual retirement assets, pension plans, Social Security, and more.

Are you interested in learning more? Schedule a call with a member of our team.

Retirement Plans for Businesses

If you’re a business owner, you’re likely aware that an employer-sponsored retirement plan can be a great way to attract and retain quality employees. We can help you evaluate various retirement plan options that maximize your employees’ retirement savings potential while also providing tax benefits for your business.

We can implement and administer a wide range of plans, including:

  • 401(k) Profit Sharing Plan
  • Savings Incentive Match Plan for Employees (SIMPLE IRA/SIMPLE 401(k))
  • Simplified Employee Pension Plan (SEP-IRA)

Are you interested in learning more? Schedule a call with a member of our team.

Investment Management

With your goals in mind, we take a disciplined approach to identifying and implementing a tailored investment plan. Our system considers your current financial needs, investment time horizon, retirement income requirements, estate planning goals, risk tolerance, and more.

To maximize your returns, we strive to incorporate low-cost investments that can help improve your long-term outcomes. Our focus is on strategically growing your portfolio while minimizing downside risk.

Once your portfolio is in place, we continuously monitor and adjust your investments as your life and goals change over time. We remain updated on economic, legislative, and market events that may impact your financial future and any life events that may necessitate a change in strategy.

Are you interested in learning more? Schedule a call with a member of our team.


It’s not enough to grow your wealth; you must also protect it. We work with you to identify and implement various insurance solutions based on your specific needs, goals, and risks.

Our first step is thoroughly analyzing your current financial situation and potential risks. We then review your current insurance policies to identify any potential gaps in coverage. We offer recommendations for specific approaches to meet your needs using this information.

As a financial services firm, we are fiercely independent. We will never have affiliations with insurance/mutual fund companies or products. We only recommend appropriate strategies given your specific situation, risks, and goals.

Based on your needs, we may recommend any combination of the following coverage types.

  • Life
  • Disability
  • Long-term Care
  • Annuities
  • Employer-sponsored Coverage

Are you interested in learning more? Schedule a call with a member of our team.

College Planning

If your financial goals include covering college education expenses for a child or grandchild, it’s essential to start planning early. We can help you implement a variety of strategies and savings vehicles to help work towards your college funding goals. All while minimizing taxes and improving your likelihood of covering the ever-increasing college costs.

Are you interested in learning more? Schedule a call with a member of our team.

Estate Planning

Many of our clients hope to leave a lasting financial legacy for the people and causes that matter most to them. That’s why we incorporate various estate planning strategies into each client’s plan.

Once we understand your current financial situation and legacy goals, we will collaborate with your estate planning attorney to develop a custom estate plan that complements your overall financial strategy. Your estate planning attorney will draft documents that we will seamlessly integrate into your comprehensive financial plan. This step will help you rest easy, knowing that your loved ones will be cared for following your death.

Examples of estate planning documents include:

  • Last Will and Testament
  • Living Will
  • Advance Medical Directive
  • Medical Power of Attorney
  • Financial Power of Attorney
  • Irrevocable Life Insurance Trust
  • Revocable Living Trust

We believe this integrated approach gives you the best chance of pursuing your legacy goals.

Are you interested in learning more? Schedule a call with a member of our team.

Charitable Giving

Many of our clients’ financial goals include giving back to the communities in which they live and work. We can help you develop a charitable giving strategy to help maximize your impact and minimize your taxes. Establishing a foundation or donor-advised fund may make sense based on your current financial situation and giving goals. We can also help maximize your impact by completing a direct transfer of your annual required minimum distribution (RMD) or in-kind appreciated securities.

Are you interested in learning more? Schedule a call with a member of our team.