Our Services


Here are some examples of topics we cover and the services that go with them:


Financial Planning

  • Creation of initial and periodically updated financial plans.

  • Development of “what if” scenarios and stress testing.

  • Debt management and refinancing options.

  • Emergency fund guidance and management.

Retirement Planning

  • Consolidation and organization of assets and goals.

  • Retirement income planning and projections.

  • Monitor the sustainability of resources.

  • Pre- and post- retirement budget management.

Investment Planning

  • Investments and Performance Analysis.

  • Asset Allocation and Rebalancing suggestions.

  • Age appropriate Risk Management.

  • Socially Responsible Investing.

Social Security and Pension Planning

  • Social Security maximization and claiming strategies.

  • Pension payout and survivorship analysis.

Estate and Inheritance Planning

  • Estate Planning document review and analysis.

  • Wealth transfer options and considerations.

  • Inheritance planning and tax considerations.

  • Special needs planning.




Tax Planning

  • Tax management and planning.

  • IRA, Roth IRA and tax free considerations.

  • 70 ½ Required Minimum Distribution (RMD) strategies.

Charitable Planning

  • Charitable tax and estate planning considerations.

  • Charitable gifting strategies.

Education Planning

  • Education funding and investment management.

  • Liquidation and distribution of college funds.

Insurance and Asset Protection

  • Life, Health and Disability Insurance.

  • Long Term Care & Medicaid Planning.

  • Liability Coverage.

Reviews and Personal Attention

  • Reviews and proactive contact throughout the year.

  • We keep track of historical notes and future needs.

  • Online account access, reports and financial tools.

  • Complementary meetings with parents, children or grandchildren. 

Professional Referrals and Joint Assistance

  • Referrals to attorneys, accountants and other specialists.

  • Attending joint professional meetings and conference calls.


The stage of life you are currently in determines what our main focus will be when working with you: 


Guidance, Preparation, or Protection.


Couple riding bicycles on a forest path


Age 35-50

"On Your Way"

Adopting smart financial behaviors such as living within your means, building up your savings, and avoiding too much debt will be vital to building a strong financial foundation. You will need to carefully manage the demands on your resources and avoid other hidden pitfalls. Our role is to help guide you through this stage.


Age 50-65

"Almost There"

By now you should have some sort of financial foundation built. With retirement on the horizon, there are big decisions up ahead and many loose ends to address. It’s time to take a hard look at the big picture, get organized, and develop a new plan for when employment income is reduced or eliminated. Our role is to help prepare you for what’s next.


Age 65 +

"You've Earned It"

You finally have time to do more of the things that you enjoy, but you also have to remain aware of the impact your decisons have on your finances. You will have to think about the best way to withdraw your money and make sure that you have a plan to address changes in your health. Our role is to help you create a plan to protect the assets you have worked so hard to save.