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We develop and implement financial plans for our clients utilizing our knowledge of investment and tax savings strategies, securities, insurance, pension plans, and real estate. We interview each client to get an overall picture of their financial health and goals before implementing a customized plan based on the data collected. The plans are continuously reviewed and updated to make sure they remain relevant and valid as situations change. This is the foundation to working toward generating, preserving and passing on your wealth.
Business owners have a tremendous amount of responsibility to themselves and their staff. It is imperative that you have a team of qualified advisors that can help guide you in making critical decisions for your business without crippling your finances. We develop qualified and non qualified retirement plans, insurance plans and optional benefit plans to help you operate efficiently and provide the services necessary to retain your staff. We offer financial planning for executives and educational programs as part of your business planning package. Each scenario is different and customized to fit your needs.
Today, the onus is put on individuals to secure their retirement for themselves. We can no longer rely on pensions or social security to see us though. Your hard earned retirement dollars are a precious asset and we will consolidate them for you and manage them as efficiently as possible. We specialize in setting up retirement plans such as Defined Benefit, Profit Sharing, Deferred Compensation and 401k plans. We also establish Individual 401K plans, SEP IRA’s, SIMPLE IRA’s, Traditional and ROTH IRA’s and 403b/TSA accounts.
Properly structured insurance policies are a critical element to your financial health. It is crucial to review your insurance coverage at least annually ensuring that you have sufficient coverage to protect yourself. We will review your policies for structure and efficiency as well as coverage. We will suggest additional coverage when necessary and help put that coverage in place. We offer individual and group life, health, disability and long term care solutions through the best rated insurance companies in the country.
We provide customized mortgage solutions to our clients. With our extensive experience and the help of an exceptional group of real estate agents, brokers and attorneys we can help you find a home, sell a home and finance the transaction. The real estate and mortgage markets can be extremely volatile. We provide the guidance and expertise of honest and experienced professionals to make sure your real estate transactions are completed securely and with integrity.
With the cost of education skyrocketing, we need to start planning for this major expense as early as possible. Through the use of 529 Plans, Coverdale Education Plans and life insurance plans, we help our clients prepare for this significant expense in the most tax efficient manner possible. We have access to customized hypothetical illustrations to forecast the potential cost of education based on the current rate of inflation and projected cost increases.
Through cooperative efforts with Estate Planning attorneys and CPA’s we will help to create a solid estate plan for you. The creation of trusts, wills, advanced health care directives and durable power of attorney documents are crucial to any estate plan. It is vital that you review and update your estate plan often to keep up with any life changes. We will make sure that your investment accounts and insurance policies are correctly titled and the beneficiaries correctly designated to maximize the benefits provided by your estate plan.
Inflation, taxes and market volatility can devastate an investment portfolio. We specialize in providing tax efficient solutions and investment products that can minimize your risk while maximizing your potential return. We use your risk tolerance profile to diagnose your appetite for risk and your portfolios ability to digest that risk. We set specific goals and focus on achieving those goals and protecting your assets as those goals are achieved. Risk is an inherent property of growth. However, unmanaged it could drain you financially and destroy your plans.
Successful people lead very busy lives and focus their efforts on what they do best. Weather you are a CEO of a public company, a small business owner or a doctor you strive to be the best at what you do. With that in mind, you don’t have the time or the expertise to manage all of your financial decisions. Successful people need to have a strong team of advisors behind them that communicate with each other to guide their decisions and keep them on track. We have a specialized network of professionals that we work and cooperate with to keep you moving in the right direction. At your request, we will collaborate with your existing team of advisors or recommend new advisors who understand your dreams and are dedicated to seeing them realized.
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