Wealth Management

Manage and grow your personal wealth

The same experience, tools and resources we use to manage and grow clients’ retirement assets position us well to serve the broader financial needs of plan sponsors, executives and their families.

As an independent, investment advisor and consulting firm, we work with a wide range of professional money managers, product families, alternative investment managers and life & annuity carriers to create effective, transparent, tax-favored plans and processes to grow wealth, optimize income and help secure the financial independence of your heirs.

We see this work as a natural extension of the retirement planning process, and we pursue it with the same attention to detail, integrity and transparency that we bring to our other fiduciary duties.

Portfolio Management & Analysis:

Helping to create more effective portfolios

First, we assess your risk tolerance, tax situation, income, expenses, cash reserves and expectations. Then, using proprietary tools and resources, we structure your portfolio to match these criteria.

We recommend appropriate asset categories, percentages and managers. We utilize extensive quantitative and qualitative research to select and monitor the performance of each asset manager. Through ongoing portfolio reviews, we analyze the expected performance of each individual investments, as well as potential risk. We are prepared to recommend when an investment should go on “watch” or when it should be replaced.

We believe that risk management plays a crucial role in any financial plan, and we consult with clients’ tax and legal advisors to compare and analyze existing insurance coverages and recommend potential revisions.

Our independent perspective applies to all these activities and empowers us to always focus solely on the needs of our clients.

Tax-Advantaged Planning:

Reducing the impact of taxes on your financial plan

Tax-free and tax-deferred investing opportunities, as well as tax-favored distribution strategies can clearly add value to your portfolio and estate. In this regard, our approach is simple. We listen to your needs and objectives. We analyze your current situation. Then we apply our expertise to present clear strategies and recommendations.

Retirement Income Planning. The certainty of higher taxes, the uncertainty of Social Security and skyrocketing medical costs underscore the critical need for effective retirement income planning. We assist clients by analyzing all personal, employer and government resources that will ultimately comprise their retirement income. We project future expenses, based on continually updated economic assumptions. We develop retirement income funding and investment strategies that reflect our tax expectations. Then we develop tax-favored strategies for disbursing previously tax-deferred assets.

Estate Planning. We are often invited to consult with clients’ attorneys, CPAs and other financial advisors to help structure more effective, tax-advantaged estate and wealth transfer plans. We are fluent in the development and administration of sophisticated trusts. We calculate and consider projected estate, income, gift and generation-skipping taxes. We seek to minimize exposure to all potential taxes, while assuring clients that their personal wishes will be fulfilled.

Retirement Plans

As an experienced, independent provider of retirement plan services, we can act as a broker, advisor or consultant for both qualified and nonqualified plans. We add value by helping plan sponsors reduce costs, educate employees, assist with fiduciary responsibilities and make appropriate investment choices.

  • 401(k) and 403(b) plans
  • Nonqualified plans
  • Investment due diligence
  • Fiduciary guidance
  • Employee education & communications
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Business Solutions

We can help you create effective programs and strategies to reward yourself and your key employees – or to help facilitate your business succession plan. The goal is to improve recruiting and retention, while helping your business grow and succeed.

  • Deferred compensation
  • Business succession
  • Insurance solutions
  • Disability income
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