Enhancing Wealth

Retirement Planning

There’s more to planning for retirement than putting away money. Whether you dream of spending your golden years surrounded by family or traveling the world, our goal is to assist you in realizing your dreams.

As you draw nearer to retirement, reviewing your assets, your investment plan, and your goals allows us to adjust your risk exposures and continuously tailor your accounts to your needs.

After retirement, we regularly discuss your withdrawal needs and ensure that your assets are available when you need them.

Investment Management

For managing your portfolio, we offer a prudent approach based on a fiduciary standard of service to you as you trusted investment advisor.  Fiduciary duty is generally considered the highest legal duty one party can have to another.  As a Registered Investment Advisor firm, we have a legal responsibility to always act in your best interests – and we take that responsibility seriously.

We apply a passive investment approach, tailoring your portfolio according to your need, ability and willingness to take risk.  In addition to seeking broad global diversification according to the tenets of Modern Portfolio Theory, we assist with appropriate asset location between taxable and tax advantaged accounts.

Tax Planning

While it’s possible that Benjamin Franklin may have overlooked a few items when he wrote that “in this world nothing can be said to be certain, except death and taxes,” those two items require our attention. We believe that by accepting and planning for these certainties, you can spend more time focusing on the things that truly matter to you.

Our staff has deep expertise in personal and estate tax, enabling complete integration of key tax issues into your financial plan. Often seemingly attractive investment strategies have hidden tax consequences that significantly alter their relative performance.  By recognizing opportunities to capture the tax benefit of losses and allocating assets among taxable and non-taxable accounts we are able to lessen the impact of unavoidable taxes. Our focus is on after-tax growth of wealth rather than phantom gross gains.

Throughout our relationship, we will look for areas in your plan which require special attention and coordinate with other professionals to bring top quality options for meeting your goals.