Individuals & Families

We work with individuals on an ongoing basis. We begin by partnering with you to define your long-term goals, then work collaboratively with you to implement a tailored blueprint and coordinated strategies to achieve them. Our process includes analyzing, recommending, implementing, and reviewing your complete financial picture, so that you can achieve your goals and remain on track as your life changes.

INVESTMENT STRATEGY

  • Provide investment education

  • Determine your risk preference

  • Establish investment strategy for different time horizons

  • Construct investment portfolios

  • Adjust asset allocation

  • Monitor market conditions and investment performance

ESTATE PLANNING

  • Review your existing documents

  • Optimize the titling of your assets

  • Assess beneficiary designations

  • Discuss charitable and family gifting strategies

  • Refer to estate planning experts when appropriate

INSURANCE

  • Protect against unexpected life events

  • Review your need for life insurance

  • Protect your income from disability

  • Evaluate your property and casualty coverage

  • Assess your personal and professional liability

CASH FLOW

  • Establish current income streams

  • Review current spending

  • Analyze existing debt

  • Review cash reserves and liquidity

  • Optimize banking structure

  • Automate cash flow

  • Assess credit score and opportunities to improve credit

  • Review credit card rewards strategy

TAX PLANNING

  • Review prior year tax returns

  • Assist with estimated tax payments

  • Recommend tax optimization strategies

  • Facilitate communication with your CPA

  • Refer to CPA when appropriate

RETIREMENT PLANNING

  • Analyze and “map” your investment projections and retirement costs

  • Build an income strategy to help fulfill your vision of retirement

  • Preserve and grow your net worth through effective and logical investing

  • Identify cash flow needs to fulfill the desired lifestyle for the present and future

Our comprehensive quarterly review schedule includes: 

JAN
FEB
MAR

Q1

Tax Strategies for the year
Cash flow
Family Meetings
APR
MAY
JUN

Q2

Investment Strategies
Funding Education
Balance sheet review
JUL
AUG
SEP

Q3

Estate Plan Review
Insurance/Protection Planning
OCT
NOV
DEC

Q4

Advisor Meeting
Tax Planning
Investments

 Get in touch.

We would love to answer any questions you have about the process and philosophy behind our services