Our Specialties

You have things that matter to you, and you likely want to protect them. To do that, there are different approaches that can help. 

• Life Insurance can be used to pay for funeral expenses, repay outstanding debts, make charitable donations and cover living expenses for family members. It can also be used to pay estate taxes and probate fees. 

• Disability Income Insurance helps to partially replace income when someone is unable to work because of sickness or an accident. The impact of disability can have a financial effect as severe as death. 

• Long Term Care can be extremely expensive in some cases, and protection in this area can help protect your family, your assets and preserve your freedom of choice. 

Every investor is unique and our portfolio management options range from sophisticated and advanced investing to mutual fund wrap portfolios. We can scale from very complex to very simple services based on your needs. That means we can help you: 

• Set investment objectives

• Develop an asset allocation strategy

• Evaluate and select investments

• Monitor and review portfolios on an ongoing basis

• Access top-tier investment management professionals who support our team

• Tailor portfolios to meet specific investment needs

• Invest in individual securities

• Utilize pre-designed mutual fund portfolios

• Evaluate Roth conversion strategies

• Incorporate tax-aware and tax-managed investment strategies

What you value is often more important than what you own. And that often means making a plan that will protect what matters in future generations. To follow through on promises you make to others and you require forethought and planning. A well-constructed estate plan can help you handle things like: 

• Minimizing income and estate taxes 

• Transferring wealth from one generation to the next 

• Developing charitable gifting strategies 

• Aligning existing retirement accounts and investment portfolios with your estate plan 

The demands (and opportunities) of business ownership are significant and have their own set of planning considerations; this is especially true when it comes to monetizing your life’s work through sale, exit and succession. A business succession plan can help you address specific needs, including:

• Growing your business 

• Protecting your assets 

• Ensuring the continuation and succession of your business 

• Minimizing taxes 

• Promoting, recruiting, retaining and rewarding key employees 

• Maximizing your compensation benefits 

• Providing for estate equalization 

• Promoting family harmony 

Education costs are high, and planning for your children’s education can be a major financial consideration. Planning early allows you to take advantage of the time-value of money and minimize the savings requirement, but having a plan is what matters most. Here are a few things that can help: 

• Prioritize your education objectives alongside insurance needs, retirement needs, major purchases and current income needs

• Develop a savings strategy that considers asset allocation and takes advantage of education plans

• Consider various education funding accounts, including Qualified State Tuition Plans (also known as 529 Plans), Uniform Transfer to Minor Accounts (UTMA)/Uniform Gifts to Minor Accounts (UGMA), Coverdell Education Savings Accounts and prepaid tuition plans

• Plan for college expenses, including tuition, room and board, living expenses, inflation, post-graduate studies, scholarships and financial aid