Broker Check

Individual Services

One trait that differentiates us from other financial planners is that we work with both individuals and corporations. As financial planners, we provide clients with encompassing financial guidance which includes assistance in the following areas:

Risk Management or Insurance Planning

Having the right risk management or insurance strategy will help our clients sleep well at night knowing they’re protected from financial misfortunes like premature death or inability to work. We take an unbiased approach to identify and implement the most appropriate insurance contract so that it coordinates with other financial sub-niches like estate and tax planning. These methods will enable each client, and their beneficiaries, to help minimize their estate, gift and potential income taxes. In addition, we help each client select insurance policies that are tailored to their needs, without any sales pitches or undisclosed conflicts of interests.

Estate Planning Strategies

Accumulating wealth over your lifetime is obviously a high priority, but with proper planning, generational wealth can be achieved. We examine estate plans and other related documents like trusts, to discover ways to efficiently transfer assets to each client’s beneficiaries, while minimizing gift or estate taxes. Some of the areas we’ve had experience include, but are not limited to, utilizing specific kinds of trusts (ILITs, GRATs, DAPTs, etc.), wealth transfer strategies, and guidance on other imperative estate planning documents like health care directives.

Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA. Consult them for specific advice on legal and tax matters.

Wealth Management

Investing is more than just setting and forgetting it, and we base the appropriateness of each investment decision off factors like risk tolerance, time horizons, tax considerations, and behavioral coaching. We see ourselves as financial counselors who help prevent clients from making detrimental investment mistakes, like selling prematurely in a market correction. The objective is to make prudent investment decisions today, so that clients are granted options, flexibility, and control in the future.

Retirement Income Planning

The current retirement landscape in America places the majority of the responsibility and risk on the individual employee. We assist clients by guiding them through both the accumulation and distribution phases of retirement. In retirement income planning, it is crucial to understand what lump sum of money is needed to retire, and then how to implement a sustainable withdrawal strategy so your savings will last a lifetime. In addition, we also educate clients on the different types of accounts, the best ways to adapt to changing retirement landscape regulations, and how to stay calm during turbulent times like down markets.

Tax Efficiency Planning

Every financial decision revolves around taxes from retirement planning, insurance, estate planning, and other life events. Therefore, we consider taxes when creating each tailored client roadmap. We also help clients reduce taxes on various asset transactions by educating them on tax efficient investing, tax advantaged accounts, and more.

*We are not attorneys nor CPAs, meaning that we cannot give legal advice, draft legal documents, or provide tax advice. However, we can match each client with a qualified legal or tax professional from our network.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.  |  (248) 996-8456