FINANCIAL & WEALTH 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).   Our process is aimed at providing our clients a comprehensive, objective and personalized plan that helps them achieve their long-term financial objectives. 

INITIAL MEETINGS

During our initial meetings, we will work to clearly understand your unique circumstances (family, business and financial).  We will then work with you to clearly identify and prioritize your short term and long term goals.  Your goals may include planning for an early retirement, a business sale or a partnership buyout.

NEXT STEPS

Afterwards, we will complete a detailed financial analysis of your current course of action - looking at the good and bad - to determine your current progress in achieving your goals.  We then review our analysis together so that you have a clear understanding of any potential issues with your current course of action.  We then review alternative options (if needed) to address any gaps in your existing plan.    

PUTTING EVERYTHING TOGETHER

In the next step of the process we will prepare a comprehensive plan that details our recommended course of action.  Recommendations may include implementing an estate planning or cash flow management strategy.  Or we may recommend a change to your investment portfolio.  Your financial plan is unique to you and is a roadmap to your success.  

PUTTING YOUR PLAN INTO ACTION

Once you approve of the recommendations, we put the plan into action.  We then continuously monitor the plan and make changes as needed as your 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.