Financial Planning Services

Portfolio Design

Your finances are as unique as your fingerprints. That’s why we take the time to meet with you and learn all we can about your individual assets, expenses, needs and dreams. After thoroughly familiarizing ourselves with your situation, we will present a detailed allocation plan to you. In it, we will recommend which assets you should devote to which class of investments: bonds, individual stocks, mutual funds and so on. A carefully crafted portfolio will strike a balance between risk and performance and will take your assets in the direction of your goals and values. Finding a financial planner who will listen is essential so that your investments are working toward your plans and hopes.

Strategic Tax Planning

No surprises. That’s the goal of our tax planning initiative. Once we’re familiar with your current financial situation, we will set up an efficient portfolio based on your financial goals. It might incorporate a plan to draw down your pension in a tax efficient manner. Our familiarity with local, multi-state and federal tax regulations means that we can help you structure you income and investments to minimize your tax liability. Year-end tax-planning will help you to avoid unpleasant surprises, and long-term tax planning will let more of your money work for you to help maximize your retirement income.

Retirement and Estate Planning

It’s never too early (or too late) to plan for your retirement years. What are your goals? What are your dreams? Do you want to continue your travels? Or, does staying closer to home and family have more appeal? Do you plan to keep that second or third home in the family for future generations to enjoy? We specialize in helping our clients move through the predictable stages of wealth, from accumulation to preservation to distribution (to yourself and to your heirs.) We can help you create an investment game plan for the long run. We specialize in estate planning. We can help you review your will, trust or power of attorney. These tools help to minimize taxes and handle assets during lifetime and after death.

Charitable Giving and Philanthropy

There comes a time when it’s time to give back. We can help you establish a tax-wise charitable plan that allows you to retain control of your gift now, and present it to the charity of your choice in the most tax-efficient manner when the time comes. We can work with your attorney to help coordinate your support of the causes and organizations that align with your personal values.