HOLISTIC FINANCIAL PLANNING

We offer sophisticated financial and wealth planning capabilities with a focus on cash flow analysis, goal-based planning and scenario modeling. We are CERTIFIED FINANCIAL PLANNER™ Professionals and take a comprehensive and holistic approach to wealth planning in order to develop personalized plans tailored to the complex needs and circumstances of our clients. 

Our capabilities include:  

RETIREMENT INCOME PLANNING 

We work with our clients to determine appropriate withdrawal rates from pensions, IRAs and other retirement accounts to ensure sustainable income throughout retirement.  We will also review pension benefits and survivor benefits and advise on options for distribution.

GOALS, RISK & STRATEGY MAPPING

We provide a structured approach in helping our clients clearly identity and prioritize short term and long term financial goals as well as their risk capacity.  We then develop customized wealth and investment strategies while staying within defined risk parameters. 

PRE & POST LIQUIDITY PLANNING 

Whether our client is a business owner contemplating a sale or a corporate executive anticipating a buyout, we will work hand-in-hand with their CPA and Attorney to develop and implement a comprehensive plan focused on preserving and growing wealth over the long term. 

SOCIAL SECURITY OPTIMIZATION 

We work with our clients to understand eligibility, timing of benefits and strategies to maximize benefits.

CHARITABLE & PHILANTHROPIC PLANNING

We work with our clients in fulfilling their charitable goals through strategic philanthropy. This includes establishing donor-advised funds, charitable trusts, foundations, and structuring charitable contributions to maximize tax benefits while supporting charitable causes. 

TAX PLANNING & OPTIMIZATION

Working hand-hand with their CPAs, we will implement tax-efficient strategies to minimize income taxes, capital gains taxes, estate taxes, and other tax liabilities. This includes utilizing tax-deferred accounts and tax-efficient investment strategies.

PLANNING FOR DIVORCE 

Divorce involves complex financial considerations that can have long-lasting implications for the financial future of our clients. We work with our clients to minimize the stress and help them build a solid foundation for their financial journey post-divorce. 

RISK MANGEMENT & ASSET PROTECTION

We work with our clients in implementing strategies to protect assets from potential risks. This may involve portfolio hedging strategies, asset titling and working with our Legal partners to establish legal structures such as trusts and LLCs. 

EDUCATION PLANNING

We provide a comprehensive cash flow planning process aimed at funding educational expenses, including access to 529 Plans, educational trusts, custodial accounts and other education funding investment vehicles.  

TRUST, ESTATE & LEGACY PLANNING 

We provide strategic financial planning and professional guidance aimed at protecting and preserving wealth across generations.

Our financial planning process is based on the framework established by the Certified Financial Planner Board of Standards, Inc. (CFP Board). We are committed to delivering comprehensive, objective, and personalized plans that help our clients achieve their long-term financial objectives. 

INITIAL MEETINGS

During the initial meetings, we take the time to gain a thorough understanding of each client’s unique circumstances—including family dynamics, business interests, and financial position. We work closely with our clients to clearly identify and prioritize both short- and long-term goals, which may include preparing for early retirement, planning for a business sale, or structuring a partnership buyout. 

NEXT STEPS

Following the discovery phase, we conduct a detailed financial analysis to assess each client’s current trajectory—highlighting both strengths and potential areas of concern. We review this analysis collaboratively to ensure a clear understanding of any issues that may impact long-term objectives. Where appropriate, we present alternative strategies to address gaps and optimize outcomes. 

PUTTING EVERYTHING TOGETHER

Building on this foundation, we develop a comprehensive financial plan outlining tailored recommendations. These may include estate planning strategies, cash flow management enhancements, or adjustments to an investment portfolio. Each plan is designed to serve as a personalized roadmap to help guide clients toward their financial goals. 

PUTTING YOUR PLAN INTO ACTION

Upon approval of the proposed recommendations, we implement the plan with precision and care. From there, we continuously monitor progress, making proactive adjustments as each client’s needs, goals, and circumstances evolve over time. 

Financial Planning is an ongoing process and we collaborate with our clients continuously throughout the process to ensure lasting success.