Areas of Expertise
Financial Planning
A CFP is trained to handle every area of personal financial planning in a holistic manner. No stone is left unturned. When your personal plan is in place, you can sleep soundly, confident that you are well-positioned and not making costly mistakes. You are protecting and accumulating wealth!
Investment Management
We are fee-only advisors who offer a disciplined approach to investment management. We construct balanced, diversified portfolios comprised of an optimal mix of stocks, bonds, cash and real-estate via no-load mutual funds (low-cost ETFs). The funds are comprised of a broad basket of securities, and we identify the right mix for you.
College Planning
The college years are the most expensive period in a parent’s life. One of the greatest gifts that a parent can give a child is to help the young person make smart choices about choosing a college. Whether you are in early or late-stage college planning, we'll demystify financial aid and cut the cost of college, without robbing family retirement.
Retirement Income Planning
In retirement, the idea is to spend only the dividends generated by stocks and the interest from bonds and cash, never touching the principal. If you do spend principal, you'll learn the smartest way to take it.
Protection Analysis
You must protect your downside. At every stage in our lives, being wealthy means keeping a balance between the things that we can control and things we can't. We want each of our working clients to wake up each day knowing this: “As long as I make a good effort, everything will be okay, even if my health declines or I lose my job."
Tax Review
When you are retired and drawing money, which money you draw affects your tax burden. Some investments are taxable now, some are tax-deferred and some are tax-exempt. Having the right combination in your portfolio saves you money now and later.
Mortgage Advice
This is one of the biggest financial decisions that you make. First mortgages, second homes, refinances, reverse mortgages. The options are plentiful, and we can assist.
Estate PLanning
Many consider leaving gifts for the next generation or for charity. We coordinate with your attorney and tax advisor to ensure that these things are in place: tax-saving vehicles like IRAs, life insurance, real estate and appreciated stocks; wills, trusts, durable power of attorney or standard power of attorney; health care proxies and living wills.