You have goals. We have solutions.
We offer a spectrum of financial solutions designed to help you accumulate assets, identify risk, and protect your wealth.
Retirement Planning
Retirement planning involves evaluating your current financial standing and creating an accumulation strategy that will help to ensure a desired retirement lifestyle.
Corporate Retirement Plans
Employee retirement plans are commonly included in employee benefit programs, and can offer advantages to both your employees and business. We’ll work with you to determine which plan type is the most appropriate for your business, then help you set it up and manage it. You’ll get time back as we take over the daily administration of the plan and help your employees understand their options. Together, we’ll work to coordinate your retirement plan with other employee benefits and get more of your employees participating.
Accumulation
Accumulation planning addresses an individual’s investment needs, asset allocation, and the suitability of different types of securities in light of your goals and risk tolerance.
To protect their ability to earn and accumulate wealth, many people choose to hold insurance, as well as maintain an emergency fund, to guard against depleting savings that are intended for other goals.
Estate Planning
Estate planning creates a master plan for the management of your property during life and the distribution of that property at death. For most people, estate planning aims to give more control over assets during life, ensure care if disabled, and facilitate transfers of wealth.
Risk Management
Some examples of risk are personal and professional liability, business ownership, property loss, and catastrophic illness or disability. Your first line of defense is to identify your sources of risk and then to either avoid or minimize the major exposures. Your last line of defense is insurance.
Equity Compensation Planning
Equity compensation is a way for employers to pay employees in with equity in a company. This can be done in many ways including Employee Stock Options, Restricted Stock Units, Employee Stock Purchase Plans, and more. When granted equity compensation it is important not just to understand what you have, but also strategies to help maximize the benefit, reduce tax liability, and minimize risk.
Business Planning
Business planning focuses on issues specific to business owners and shareholders. For most business owners, the business is their most significant asset, and the financial success of that business has an immediate impact on the economic security of their families. Without proper planning, you may have difficulty tapping the value of your business to support your retirement, or your family may lose the value of your business at your death.
Tax-Efficient Investing
Tax planning considers the tax implications of individual, investment, or business decisions, usually with the goal of minimizing tax liability. Although decisions are rarely made solely on their tax impact, you should have a working knowledge of the income or estate tax issues and costs involved.