Follow your own path.
Prepare for the unexpected.
Who we help.
Business owners
You own a business. Which makes you a “hero” in our eyes. As a business owner, you’ve encountered a number of challenges both expected and unexpected (remember COVID?). But through grit, hard work, and vision you’ve succeeded. We want to make certain you finish your race strong. That’s why we do a lot more than investment management. We can help you set up the right retirement plan for your business, work with you as you decide the next strategic “pivot” for your operations, consider expanding to other services or regions, and, when it’s time, help you design an exit plan that includes a business valuation so that you’ll have a complete picture of your entire wealth.
Professionals & corporate executives
Professionals and Corporate Executives have unique characteristics, needs, challenges, and goals. In addition to being well-paid, their total compensation can be tied to the performance of their practice or firm or company, and they may also be participating in more complex benefit plans. These leaders have established higher goals for themselves that include their personal, professional, and financial lives. Goals that are not only important for today, but for tomorrow. We bring each piece of the professional’s wealth into a unified plan and work to, among other things, minimize the impact taxes can have on your equity incentives, options, and other forms of compensation so that you can confidently invest in and plan for your future.
Independent contractors
If you’re an independent contractor, such as an attorney, realtor, accountant, or consultant, you know the benefits of being your own boss. You also know the challenges of finding time to effectively manage and bring stability to your commission-based or fee-based income to create a net worth that reduces your reliance on your practice. We help successful independent contractors achieve their personal financial and retirement goals by helping them optimize their variable income through targeted investment strategies that are designed to support your retirement and lifestyle goals. We also understand your unique tax issues and include ongoing planning to help optimize your retirement finances while minimizing taxes.
Retirees
There’s a difference between financial planning and retirement income planning. The first has to do with the accumulation phase of your work-life cycle and is designed to help you save and invest enough to hit a realistic investment target for when you retire. The second is much more complicated. A retirement income plan focuses in detail on your current and future expenses, your Social Security strategy, and the best way to deploy your various assets to cover your lifelong expenses and support your legacy goals. Put simply: it’s the difference between people at work and money at work. For those approaching retirement, we conduct a detailed retirement plan, transition your investments to produce a lifelong income stream, and work with you throughout your retirement to make certain you stay on course. We want to work with you so that the next season of your life is as rewarding as you had hoped.
How we help.
COMPREHENSIVE WEALTH PLANNING
We bring everything into a single, comprehensive, lifelong plan. In fact, our process incorporates your personal values, your life and financial goals, and your overall wealth into a single, comprehensive plan that helps guide you today and down the road. We begin by getting to know you: your life, your goals, and your options. Only then do we begin to draw a map of the steps needed for you to reach your “rich life.” Our process begins with a complimentary introductory meeting and continues for as long as needed to help you stay on track.
SPECIALIZED PLANNING FOR PROFESSIONALS
Successful professionals tend to be leaders with big goals with more complicated holdings. For you, achieving “financial independence” includes providing for your dependents, housing, education, and even a possible change in your job or career. If you receive stock options, deferred compensation, equity-based compensation, or other financial considerations you will also require a deeper level of tax and estate planning. We not only understand this. But we do this so that your goals can be reached.
INVESTMENT AND RETIREMENT INCOME PLANNING
At some point, if you’ve been saving for your retirement, your thoughts will turn from, “How much do I have?” to “How much do I need?” in order to maintain my current lifestyle. Add to this the complexity of Social Security (how and when to file), taxes in retirement (how much will I pay), health (how much will this cost), and even longevity (how long will I live) and you’ll understand why retirement planning can seem overwhelming. Unlike other firms, we start with you, and not with “products” that are not only costly but could also be tremendously ineffective for your situation. We believe investment management should be done within the context of your lifelong income needed. After all, isn’t this what you’ve been saving for? Financial freedom and peace of mind?