In life there is always someone selling the idea that there is an exact solution to our needs - like solving a math problem. The problem is our lives aren’t subject to the rules of anything. They are moving targets. The key to finance is getting help to dial in on what you want and then navigating through change to get it.
An absolute truism. Lucky for us, we love the long game. In helping you create a vision for your financial future, we foster your financial empowerment―which to us is its own reward.
We take the time to learn your situation, your story. Where you’ve been, where you are and where you want to go. What your dreams are. Understanding this total perspective plays a vital role in managing key money issues and assisting you in making smart financial decisions. Setting realistic financial goals that best suit your lifestyle are what we’re here to help with.
Once we really get to know you, we analyze potential investment solutions using our 30+ years of hands-on experience. After collaborating together one-on-one, we offer a comprehensive array of financial services to develop a custom strategy designed just for you and yours.
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RETIREMENT PLANNING: We help map out your financial picture with an emphasis on retirement planning. If you’re pre-retirement, we help manage your outside assets by reviewing work plans with you and running snapshots of investment options. Helping you decide whether to do pre- or post-tax contributions (dependent on income and tax situation), making the most of your money and setting you up for successful retirement.
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WELL-DIVERSIFIED, CUSTOM PORTFOLIO ALLOCATIONS: Using Risk Profile and Financial Goals questionnaires, we build individualized portfolio allocations just for you, suited to your needs and risk level. We don’t utilize any third party asset managers, which allows us full customization and you, a say in your investments.
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FEE BASED MANAGEMENT: Rather than charge commissions or hourly/meeting fees, our costs are based on your Household Account Value. This annual fee ranges from .25% to 1.25% per year, charged quarterly. Fees are deducted from your investment accounts directly, so you don’t have to worry about sending payments. All deducted fees are shown prominently on your normal quarterly financial statements and included on all performance reports. If for any reason you’re not satisfied with our work, our agreements allow you to leave at any time. If this happens, your prorated fee for that quarter is refunded.
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INCOME TAX PLANNING: An added bonus! As a fee-based client, you also get the option of income tax review. A sweet convenience and significant savings on accounting fees (or your own time and hair-pulling). Oftentimes, accountants are too busy during the tax season to sit down with you to go over the details and map out tax saving plans and strategies. Reviewing your return helps you, but it also allows us to get a greater understanding of your full financial picture. You also have an option for income tax preparation (additional cost may apply). Preparing your tax returns furthers our ability to give more specific, personalized advice as years go by.
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ESTATE PLANNING: Being in this business for so many years has given us the opportunity to experience a wide array of situations that have cemented the importance of proper estate planning. While it’s difficult to plan for every possible scenario, we have extensive experience and knowledge to help guide you in creating an appropriate plan for any transfer of wealth and assets. As new rules and regulations come out for gifting, IRAs, beneficiaries, and other investments, we relay those changes quickly and adjust plans if needed. For complex estate planning, we can refer you to a trusted attorney that will be sure your overall situation is set up appropriately. You can feel confident that your final goals will be achieved the way you want.
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LIFE INSURANCE & ANNUITIES: As Life Insurance brokers, we have access to a large number of insurance carriers. We can screen through the vast number of options and find the best company to meet your needs. We’ll help determine if you should have life insurance, how much you need and which type is the best fit. If suitable, we can also offer annuities. Taking our time in explaining the different options and features is important to making decisions you trust.
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LONG TERM HEALTH CARE STRATEGY: Long-term care options have become more and more limited over time. A difficult topic that often weights on the minds of our clients. Like most things in finance, there is no one solution for everyone. But rest assured, we help you map out the best options for your given situation.
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ONGOING INVESTMENT ADVICE & ACCOUNT MONITORING: Our asset management fee covers all our services. As a client we reach out to you a minimum of three times yearly to check in, review accounts and your current finances. We help you identify the need for any proactive changes, given the current market and your personal finances. The requirement is only once a year, but we find that situations change often and with that, your goals and risk tolerance do too. Staying proactive we learn of changes quickly and help you adapt as needed and optimize decisions. You get unlimited access to us and can reach out any time with questions or advice. If you’d like to come in for a meeting, you’ll get scheduled right away, typically within the week.
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GOALS-BASED APPROACH: Clients feel a stronger sense of accomplishment with specific money goals. With that in mind, we place a strong emphasis on identifying yours and mentally assigning these goals to your accounts. While wanting accounts to grow is a given, being specific helps reaffirm the most important aspects of investing, especially your risk tolerance and time horizon.
The investor’s chief problem – and even his worst enemy – is likely to be himself.
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