Our Wealth
Management Services

Get things in order as you reach the end of your career.

Preparing for and transitioning into retirement comes with a lot of important decisions. We create a cohesive plan that takes into consideration all your sources of income such as social security, pensions, rental income, and required minimum distributions. We will develop a plan that will keep your taxes low, reduce costs, maximize investment returns, lower portfolio risk, and preserve your savings.

What does this mean?

• Map out expenses in retirement including taxes, and design an income
  plan to meet those expense needs
• Implement a portfolio to keep your investments growing over time
• Take advantage of tax strategies to reduce tax over your lifetime

We’ll establish a tax-efficient plan and help you prep and file.

Taxes are often the largest expense you'll have in your lifetime. The tax-saving strategies you implement and the timing of the implementation can result in a substantial amount of money saved. Our tax planning aims to help keep taxes low today and into retirement. We accomplish this through a dedicated annual tax planning meeting, recommending specific strategies, helping you implement those strategies and preparing and filing your taxes.

What does this mean?

• Roth conversions, charitable giving strategies, coordination and timing of income streams (e.g. pension, social security, required minimum distributions)
• Qualifying for the Premium Tax Credit to pay for health insurance before Medicare age.

Expand your opportunities with a portfolio aligned with your risk tolerances

Our approach to investment management is based on improving the risk/reward relationship.

We constantly ask ourselves how can we reduce the volatility in your portfolio while still achieving the rate of return you need to support your lifestyle in retirement.

What does this mean?

• We focus on owning low-cost and widely-diversified investments
• We analyze our portfolios monthly to ensure we're holding the right asset classes at the right time to take advantage of momentum in the stock market and reduce risk when appropriate
• We never make investment decisions based on emotions, political beliefs, or headlines