Our approach isn’t complicated

Implement what is most appropriate to support their goals.

Fundamental Financials

The cornerstone of the planning process starts with listening and understanding each clients’ unique financial situation and what is most important to them. Understanding this, along with all their financials, is what creates the strong foundation of a financial plan. With a clear view and understanding of the total picture, our team is able to organize and simplify your financial life while adding value through different strategies and techniques. Below is a menu of some of the topics that our team works through with our clients.

Balance Sheet

  • Asset & Liabilities Documentation
  • Banking Optimization
  • Financing Solutions

Cash Flow

  • Cash Flow Projections
  • Spending & Budgeting
  • Expense Tracking
  • Credit Card Optimization


  • Credit Score Monitoring & Identify Theft Protection
  • Educational Savings Plans & Cost Optimization
  • Next Generation Planning & Stewardship

Retirement Planning

Once the financial foundation is established, we apply a forward-looking framework to put our clients on a track that will accomplish their goals and highlight how certain decisions may enhance or alter this path. We work with our clients to identify and maximize opportunities and stay by their side to assist with the implementation. We are continually monitoring to ensure our clients stay on track and help them navigate through the many life events along the way.


  • Retirement Savings Review
  • Sensitivity Analysis
  • Scenario Analysis

Cash Flow

  • Enhance Retirement Savings
  • Social Security, Pension and Annuity Benefit Elections
  • Withdrawal Sequencing
  • HSA Maximization
  • Healthcare Planning

Risk Management

A vital part of the planning process focused on protecting our clients, their income and liability for their family.

Income Protection

  • Disability Insurance
  • Life Insurance
  • Group Benefits

Liability Protection

  • Homeowner Insurance
  • Auto Insurance
  • Excess Liability Protection
  • Specialty (Collector Cars, Marine, Equine, etc.)


  • Current Employer Plans
  • Long-Term Care Needs

Tax Planning

Often overlooked, tax planning should be a priority to ensure and maintain a tax-efficient focus. From investments to deferred savings to deductions, it’s not about how much you make, it’s about how much you keep.


  • Income Tax Planning
  • 1040 Review & Summary
  • Investment Tax Planning


  • Deduction Utilization
  • Capital Gains Bracket Management
  • Low Basis Asset Management
  • Roth Conversions
  • IRA Contributions
  • Residency Planning
  • Estate Tax & GST Planning

Estate Planning

We want our clients to have peace of mind that everything is taken care of. We work closely with our clients and their trusted partners to help develop a plan for transferring wealth that not only meets their wishes but does so efficiently and covers all the bases they might not be thinking of.


  • Review Estate Documents
  • Estate Plan Summary & Flow Charting
  • Beneficiary Information
  • Document Charitable Goals


  • Implement Charitable Goals
  • Family Gifting & Lending Coordination
  • Asset Protection Trust Strategies & Implementation
  • Estate Tax Mitigation & Estate Freezing Strategies