Financial Planning

  • Evaluate savings in relationship to retirement goals and determine appropriate vehicles for savings
  • Illustrate multiple retirement scenarios showing projected longevity of savings
  • Balance tax-efficient education savings with other goals
  • Study employee benefits and make recommendations based on personal goals
  • Provide detailed guidance through divorce, death or other major life events

Investment Management

  • An investment process built on academic research
  • Low cost, global diversification
  • Tax-efficient, institutional grade funds from Dimensional Fund Advisors (DFA) based on research from Economists Ken French and Eugene Fama
  • Disciplined re-balancing during market fluctuations
  • Tax-loss harvesting

Tax Strategies

  • Pre-tax vs. Roth funding
  • Roth IRA conversion analysis
  • Health Savings Account funding
  • Tax-efficient withdrawal strategies
  • Coordination of tax planning with accountant
  • Stock option planning

Estate Planning

Collaborating with you and your attorney to:

  • Review beneficiary designations, wills, trusts and incapacity documents in relation to current objectives
  • Establish irrevocable trusts to take advantage of current high estate tax exemptions
  • Assist with preparation and delivery of Crummey Notices to trust beneficiaries
  • Setup Dynasty Trusts for generational planning and estate tax saving

Insurance and Risk Analysis

  • Review current policies and annuity contracts in relation to need and provide options for old policies that may not be needed
  • Discuss appropriate type and amount of life, disability and long-term care insurance
  • Provide options for where to find economical coverage

Charitable Gift Planning

Working with you and your advisory team to determine which charitable giving vehicle(s) may be the most effective for your goals:

    • Donor Advised Funds
    • Gifts of highly appreciated securities
    • Charitable Remainder/Lead Trusts
    • Charitable Gift Annuities
    • IRA Qualified Charitable Distributions (QCDs)
    • Private Foundations