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.

    There are several ways to save for retirement:

    • Qualified employer-sponsored plans
    • Individual retirement accounts (IRAs)
    • Personal savings
    • Executive deferral plans

    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.

    There are several types of retirement plan, including:

    • 401(k)
    • 403(b)
    • IRAs
    • Profit-sharing
    • Defined-benefit plans


    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.

    Asset allocation is used to distribute your investable assets among a variety of investment categories. This process aims to:

    • Reduce overall investment risk
    • Create more reliable investment forecasts
    • Improve the risk/return tradeoff of your portfolio

    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.

    Common estate planning issues addressed in the wealth management process include:

    • Transfer of wealth
    • Minimization of transfer taxes
    • Asset protection
    • Charitable giving

    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.

    Asset protection planning manages risks to your wealth. Lawsuits, accidents, property damage, and other financial risks are facts of everyday life and asset protection planning looks to transfer the risk of these events through:

    • Insurance
    • Repositioning asset ownership
    • Other protections available under the law


    Starting and running a business carries its own set of risk exposures. Certain factors can have a huge impact on how safe your personal and business assets are from risk. These include:

    • The type of business entity you choose
    • The state you choose to do business in
    • How you manage your business
    • Your human resources
    • Your taxes

    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.

    Important components of equity compensation:

    • Vesting schedule
    • Option strike price
    • Tax implications

    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.

    Business planning coordinates the management of your business throughout its life cycle with:

    • Risk management
    • Distributions to the owners
    • Succession planning

    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.

    A major goal of tax planning is minimizing federal income tax liability. This can be achieved by:

    • Reducing taxable income through income deferral or shifting
    • Deduction planning
    • Investment tax planning
    • Year-end planning strategies


    Investment tax planning involves evaluating how to best position assets in order to minimize the amount of taxes you have to pay on an ongoing basis. This requires year-round planning, and it begins with an in-depth understanding of the tax implications of various investments and investment strategies, including:

    • The treatment of wash sales
    • Tax-exempt investments
    • Gains and losses
    • 1031 exchanges
    • Qualified dividends
    • Option strategies
    • Tax-deferred investing
    • Passive income and losses
    • Mutual fund taxation