Managing Your Finances
As your wealth advisors, our focus is to understand your goals and develop a plan to reach them. We will meet with you to present an analysis and discuss our recommendations. Together, we implement the recommendations and monitor your progress. We will plan regular meetings with you to assess the progress being made toward your goals, and when necessary, we will make adjustments to your financial plan.
Because there are many factors that may change as your life progresses, it is of the utmost importance to us to be proactive and knowledgeable in the financial industry. We are committed to our continuing education to stay up-to- date on relevant tax, estate, and social security laws in order to provide you with the best financial advice for your particular situation.
Saving and Investing
Depending on your stage of life, chances are you will have a distinct approach to saving and investing. New graduates or young couples have different needs than retirees or mid-career families. No matter your personal situation, we can help you develop financial habits that will lay a strong foundation for your financial well-being.
Younger individuals and couples have a number of benefits in terms of financial management. Lower insurance costs and a long investment horizon, combined with fewer responsibilities, can help develop an excellent financial base. We can help you build on these advantages, while at the same time considering any debt that may have accumulated via student loans, etc.
Couples planning for a first child enter into a new level of commitment – both personally and financially. We can help provide savings plans through specialized insurance and investment products, such as 529 plans.
Mid-career professionals typically have higher incomes than younger investors – but they also carry more responsibilities. From mortgage payments to a child’s education, we will help you develop a financial plan that balances your needs and obligations.
Retirees have worked hard for their entire career, and now is the time for relaxation and celebration. Most likely, children have moved away from home, the mortgage is mostly paid off, and a few investments are coming to fruition. However, income levels may have dropped after retirement. We will help you manage your finances in a way to allow you to fully enjoy the fruits of your labor.
In short, no matter your stage in life, we will help develop and maintain a sound financial plan.
No one likes taxes. But through the advice of a certified financial advisor, you can access investments and services that help ease the burden. Charitable contributions, life insurance, and other investment options can all be useful tools in an effective tax strategy. Working together, we will consider your personal situation and design a tax plan that fits your needs.
Preparing for estate management after death is a difficult issue to discuss, but it is also an important part of any comprehensive financial plan.
We can help you and your loved ones approach estate planning in a constructive manner that ensures they avoid problems and are well cared for in the event of your death.
Wills and Trusts provide a means to guide your loved ones through the estate management process. By naming your executors and providing instructions on the distribution of your estate, your surviving loved ones avoid having to guess your wishes. Carefully considered estate documents will provide clear instructions to your successors and save your loved ones the stress of dealing with financial issues.