INVESTMENT MANAGEMENT

Offered for those who do not need financial planning but require an investment advisor to help execute investment recommendations laid out in their plan. Together we will build, implement, and monitor a portfolio based on your risk tolerance. In addition, maintain a cost-effective investment strategy to explore opportunities for tax management and tax-loss harvesting.

FINANCIAL PLAN CREATION

Most people only focus on parts and pieces of their financial picture. We take a “whole view” lens of the sum-of-parts to create a cohesive financial plan. Factors that are taken into consideration such as debt-cash flow management, employee benefits, tax planning and tax impact on interest, dividends, and capital gains. Not to mention economic scenarios like inflation, recessions, low and strong performing markets, and ebb-flow of interest rates.

Afterwards we will provide you an investment plan to achieve your goals including:

1.      Goal target amount

2.      Time horizon to reach your goal

3.      Contribution amount to fund your goal

4.      Ongoing savings toward your goal

5.      Portfolio investment recommendations favorable to your goal

ON-GOING FINANCIAL PLANNING

Once an investment plan is in place, we will continually monitor your portfolio and plan to ensure you are on track for your goals. Shifts in the financial market can impact your portfolio, and while small changes are to be expected – any significant movement requires a reassessment to bring balance back to the portfolio.

Life and health insurance is an important element to financial security. Yet we often don’t think of it until we need it. Unforeseen events happen, and when it does, it can devastate families financially. Incorporating life and health insurance into your investment plan will provide peace of mind in the long run to meet inevitable high health care costs and protect your quality of life

You work hard to grow your wealth, and we have the tools you need to guide your loved ones and safeguard your legacy for a direct and lasting impact. If you own real estate, have insurance policies, or retirement accounts (i.e., IRA and 401k), then you need an estate plan in place. Probate can be arduous, lengthy and result in high costs – not to mention laws vary from state to state. We will shepherd you thru a process with an attorney to create all your essential documentation, as well as monitor any factors that require modifications to your plan such as taxes, or new state laws/regulations.

If you have a retirement plan like a 401k, 403b, or 457 and want to maximize opportunities within these accounts, we will offer recommendations to optimize your investments. Under our management, we will advise on investment choices in your account as well as assess how much risk you need.

Cost-effective solutions customized for business owners who want to retain valued employees by offering a retirement plan they will use, and with professional advice.

You may be off to a great start if you’re already invested in a college savings or 529 plan. However, did you know that there are restrictions and limitations around these types of plans and accounts? We will assess the best scenario for advance college planning and provide alternative solutions that ensure these funds are accessible without penalty.