Personal Planning

Insurance Planning

Few people are aware that the life, disability and long term care insurance policies they purchased as recently as five years ago might be unnecessarily costly or lacking critical new benefits due to the availability of a new generation of insurance plans. When you purchased your policies, you may have made certain assumptions about policy charges, interest rates, planned premiums, and other issues. But life is constantly changing. The original reason for your purchase may still exist, yet your needs may have changed, requiring more or less coverage.

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Retirement Planning

Climbing to the summit of a large mountain is one of life’s greatest achievements. Like mountain climbing, retirement planning begins with the goal of reaching the summit with a carefully-crafted, well-funded strategy. Of equal importance is to have a plan for descending the mountain and returning safely. Some of the biggest risks facing retirees occur during the income distribution phase when we retire and begin to live on our retirement savings. Those who address these risk will be more likely to safely and successfully complete the journey.

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Asset Management

Determining the optimal investment strategy is imperative for any financial plan. With increasing economic uncertainty and a seemingly unlimited universe of investment strategies and options, determining what fits best in your situation can seem like an overwhelming task. To balance the need for safety and performance, we use several investment platforms to bridge the gap between traditional and alternative investment strategies. They allow us to identify and design the best investment strategy for your situation.

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Legacy Planning

We believe that legacy and estate planning is more than reducing taxes. Proper estate planning preserves and protects the assets you have worked hard to accumulate, and enables your heirs to meet their financial obligations with no detriment to their quality of life. More than money, a legacy can help you transform your life’s work from success to significance, passing value, responsibility and work stewardship ethics to those you care about.

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