We are fiduciaries, legally bound and value committed to work in your best interest, without compromise.

Our solutions arise out of our unique skillset and experience. We aim to provide you with an authoritative answer to your specific need or line-item.

Financial advice addresses the following questions.

• Income Bridge
• Social Security Benefit Planning
• New Position or Career
• Life Inflection Points
• Inheritance
• Asset Protection
• Advanced Tax Savings
• Asset Sale
• Large Purchase

Perhaps you have other concerns. Let us know and
we will see if we can help.

Maybe you have sold a business, are not quite to retirement, or are out of work. When you
are in between things, the income bridge can span the income gap from where you are to
where you are going.

The best time to plan for your social security benefits is well before filing for benefits. The rulebook governing Social Security has more than 2,000 rules. Let us show you how to optimize your lifetime Social Security benefit for you and your circumstances.

Maybe you have shifted careers or got a new position within the same company. New
Position or Career Advice guides you towards the benefit package and compensation that
fits you best. We can help you decide how to work with an Employee Stock Option Plan
(ESOP), a Employee Stock Purchase Plan (ESPP), and if you receive company stock as part
of your compensation.

The one constant in life is change. From birth, to adolescences, to adulthood, to middle age, and to advanced age, each stage of life has its different mile markers and celebrations. Life events such as marriage, divorce, birth of child, and death of a loved one raise additional financial topics.

Life Inflection Points

• Marriage
• Divorce
• Birth
• Death
• Adoption
• Guardianship
• Incapacity
• Disability

Life Events

• College
• Job
• Retirement
• Moving
• Turning 65
• Empty Nest
• Starting/Selling Business

Whether a surprise or anticipated, an inheritance is a gift. However you desire to make use of your inheritance, financial advice can ensure that this generous contribution furthers your best interests and serves your highest good.

You want to protect what is yours. Holistic insurance planning and strong legal structures protect your assets. We construct custom asset protection plans to shelter your interests, protect your gains, and keep predators and creditors at bay.

Asset Protection

• Insurance Coverage Review
• Insurance Coverage Gap Analysis
• Legal Structures

It is no secret; taxes are one of your largest expenses. Many people unwittingly pay more than legally required. How much money are you throwing away? A well-built tax savings plan helps you dial down your tax liability to the lowest legal requirement, ensuring you pay exactly what you owe— and not a cent more.

Maybe you have a home, an income property, a business, or an appreciated asset that you want to sell. Financial advice can help you structure a sale, uncover tax and other liabilities, and decide on how best to leverage the proceeds from the sale.

Maybe you want to buy a home, a second home, an income property, a business, a
collectible, or another investment. Financial advice can help you structure the purchase to
mitigate, where possible, tax and other liabilities.

Through our experience, unique skillset, and approach, we seek to improve your quality of life and build bespoke solutions for you.

We believe an integrated, cohesive course of action is far more powerful than a handful of puzzle pieces. We believe that the best solutions are time-tested and easy enough to understand. We believe the best financial plans continuously adapt to the pace and unpredictability of your life.

Focused Financial Planning helps you get the critical answers you need quickly. This streamlined service is the most appropriate level of financial planning for most people.

If your estate, financial situation, or holdings are complex, then Comprehensive Financial Planning will explore these matters in greater detail and integrate with your existing structures and planning. For complex matters and high net worth individuals this level of financial planning will serve you better.

Financial planning may also consider the following.

• Income Planning
• Cash Flow Planning
• Goal Planning
• Savings Planning
• Debt Planning
• Asset And Liability Management
• Family Finances
• Educational Planning
• Retirement Planning
• Real Estate Planning
• Charitable Planning
• A Lasting Legacy

A well-executed, up-to-date financial plan gives you the freedom and confidence to secure the future you desire. We will work to create a detailed, realistic road map to your financial goals throughout your life. Your plan will come together as we take an in-depth look into where you want to be.

A well-executed, up-to-date financial plan gives you the freedom and confidence to secure the future you desire. We will work to create a detailed, realistic road map to your financial goals throughout your life. Your plan will come together as we take an in-depth look into where you want to be.

You don’t want is to run out of money at any stage of the game. Whether you are beginning your career, at peak earnings, or cutting back, sufficient income is the cornerstone of your financial security.

You don’t want is to run out of money at any stage of the game. Whether you are beginning your career, at peak earnings, or cutting back, sufficient income is the cornerstone of your financial security.

You have a specific goal or project in mind. Maybe you want to become debt free, start a new career, or visit new and exciting places. Goal planning aligns your finances with you goal, turning ideas and dreams into reality.

You are putting your hard-won available cash flow to work. Maybe you are saving for a down payment on an investment property, paying off a vehicle, or building your nest egg. Goal planning puts you in charge of your money and puts your money to work for you.

When managed appropriately, debt can be tool which provides leverage. When not managed well, debt can be destructive. Good debt is debt on appreciating assets such as a single-family home, real estate investment, and business ownership. Bad debt is debt on depreciating property which includes car loans, credit card debt, and unsecured personal debt.

Asset and liability management balances the value of something against the money owed on it, resulting in a positive or negative equity position. Maybe you own several income properties, develop property, or have a portfolio of investments. Managing your equity position and growing it increasingly more positive are keys to success.

If you are responsible for children or parents, or have more than one generation living under one roof, then your financial matters may quickly becoming complicated. Communication, agreement, and taking action are key. Family finances helps you work through issues which parents caring for children, children caring for parents, and the sandwich generation may encounter.

Investing in your education is an investment in the future, and educational planning encompasses more than college degrees. It may include grade, middle, and high school, or advanced college degrees. Educational planning takes into account your school, your state and federal guidelines, requirements, and programs. Have a plan and avoid unnecessary education related debt.

Maybe you want to buy a home, a second home, an income property, a business, a collectible, or another investment. Financial advice can help you structure this purchase, and identify and mitigate, where possible, tax and other liabilities.

As an asset class made up of a real, tangible property, real estate can be an important part of your financial picture. Real estate ownership can provide regular cash flow and built-in tax savings. Make sure that your real estate investment is doing everything it can to advance your financial well-being.

You want to define your legacy—not leave it to chance. How will family, loved ones, and your community remember you? You want to be intentional about how you live, and define the statement your life makes. Allow us to help you echo your message into eternity, and make your statement in your own way.

You want to define your legacy—not leave it to chance. How will family, loved ones, and your community remember you? You want to be intentional about how you live, and define the statement your life makes. Allow us to help you echo your message into eternity, and make your statement in your own way.

A Lasting Legacy

• Estate Planning
• Trust Structures
• Protection Planning
• Charitable Planning

We start by assessing your risk profile, time horizon, and investment objectives. From this, we create an appropriate asset allocation. This is fundamentally the most important element of investing.

We then design a diversified mix of cash, equities, fixed income, and alternative investments according to your asset allocation to build your portfolio.

We draw the investments selected for your portfolio from a curated list. Our internal investment committee creates this list using a proprietary, disciplined methodology.

We ascribe to a low-cost, passive approach to investing. We favor index based exchange traded funds, and generally follow a buy and hold strategy. We actively monitor your portfolio, and rebalance when appropriate to realign your asset mix with your risk profile and investment objectives.

Protect and grow what you’ve got—through a managed portfolio built expressly for you.

Investment Management Service Specialties

• Goal attainment with the least possible risk
• Low-cost, passive investment style
• Income engine
• Life-investment connection
• Know what you own
• Impact investing

Key Considerations

• Asset Allocation
• Income Needs
• Risk Tolerance
• Risk Profile
• Time Horizon
• Rebalance
• IRA/Roth/401k/403b/457/Non-qualified
• Alternative Investments
• Investment Selection
• Real Estate

The purpose investing is to meet your financial goals with the least risk. Perhaps you want
more growth and targeted increases in risk will help you get there. Perhaps you have
achieved a sizable nest egg and you want to reduce your risk of loss. Allow us to guide you
to your goals with the least risk.

Studies show that higher investment fees can decrease your portfolio’s growth. Studies also
show that active management underperforms passive management over long periods of
time. Accordingly, we advocate a low-cost, passive investment style. This approach
minimizes fees, minimizes active management mistakes, freeing your portfolio to grow.

Our “block and tackle” investment strategy focuses on steady income and portfolio stability,
with immediate access to your money. When steady income, or conservative growth of 4 to
5% are desired, look to the Income Engine.

Your life changes and moves. The allocation and composition of your investments should
evolve in concert with your life. Allows us to monitor the risk of your portfolio and tailor it to
the flow of your life.

Knowledge is power. Knowing what you own goes beyond diversification and informs you of
what you own in your investment portfolio. For example, does one holding represent a large
percentage of your portfolio? Do you have too much of a good thing and not enough of
another? Use this understanding to stay informed and make the best choices for you.

If it is important to you that your money reflects your values, consider Impact Investing. Our custom Women in Leadership, Environmental Social and Governance (ESG), and Conservative Values portfolios enable you to align your investments with what you believe. If you want, you can influence, promote and support your causes with your investment choices.

We provide reliable guidance, and clear direction. We innovate, design, and execute solutions that position you for growth. Our experienced team brings diverse skills and creativity to identify and take advantage of opportunities.

Let us help increase your net worth, business value, and free time.

Value Points

• TaxFree
• Structuring
• Acquisitions and Divestures
• Business Asset Protection
• Risk Management
• Tax Mitigation Planning
• Retirement Plans
• Key Talent Incentive Strategies
• Succession and Exit Planning

You put a great idea into practice, and now your business concept is poised to increase in value many times over. What if you could grow that wealth in a forever tax-free environment? Not all businesses, or prospective buyouts, qualify. However, if your fact pattern fits, you may realize hundreds of thousands of dollars in tax savings.

Whether you are forming a business, restructuring, or developing an exit strategy, an expertly crafted plan can limit your tax and legal liabilities, and offer new advantages. Assess whether your business structures safeguard your assets, reduce your tax burdens, and increase your savings to the level you want.

Many businesses buy and sell assets as part of their strategic planning. It is important to consider how a purchase or sale affects your business’ cash flow, assets and liabilities, tax planning, and strategic plan. Allow our team to help you make the best choices at the most opportune times.

You want to protect what you have built. Holistic insurance planning and strong legal structures protect your business interests and assets. We construct custom asset protection plans to shelter your interests, protect your gains, and neutralize inside and outside risks.

Every business has risks and as a business owner you seek to manage and minimize those risks. A thorough plan considers internal and external risks, reviews insurance coverage, identifies coverage gaps, and builds structures to further manage risk. Engage our team to help you keep what you have built.

As a healthy business, taxes make up an unwelcome and substantial portion of your expenses. Stop paying too much in taxes. Working with an accomplished professional team, we’ll help you develop and implement your tax reduction plan. Start saving now!

Often overlooked and undervalued, however, custom retirement plans can be vital to attracting and retaining key employees. Properly structured retirement plans help you grow your business, reduce your taxes, and increase your savings.

It is well known that a business’ most valuable resource can be its human resources. So for many businesses it is a priority to recruit, retain, and reward key talent. Key talent incentives can take many forms and provide valuable benefits. Keep your organization healthy and motivated with key talent incentives.

As a business owner, you may choose to relinquish the captain’s chair at a point in time, or circumstances may force your hand. In any case, a proper plan helps you keep your enterprise viable, provides continuity in leadership, minimizes your tax liability upon your exit, and maximizes your business’ value. Plan for success and make succession and exit planning a part of your business.