Wealth Management Services for Individuals and Families

 

When you work with us, you’ll find a partner who embraces your vision and dreams with the same enthusiasm you do. Think of us as your personal chief financial officer: we understand your complete financial picture and are dedicated to providing you with the kind of comprehensive, innovative guidance that can help you capitalize on opportunities at any stage of life.

Our strong personal connection and knowledge of your unique circumstances means your current goals, future aspirations, and overall risk tolerance are factored into every investment decision we make. Whatever your focus, our aim is to empower you to pursue your future with confidence.
 

indiv_wm_1

Asset Growth

We adhere to a time-honored asset allocation strategy to distribute your investable assets among a variety of investment categories. This might include a blend of traditional investments like basic securities, annuities, and separately managed accounts—or even options strategies and alternative investments. Through this approach, we look to:

  • Reduce overall investment risk
  • Create more reliable investment forecasts
  • Improve the risk/return tradeoff of your portfolio
indiv_wm_2

Risk Management

We work with you to identify sources of risk to your assets, health, or business and outline a strategy that’s designed to minimize or avoid your exposure to losses through:

  • Insurance and annuity options
  • Repositioning of asset ownership
  • Business risk management
  • Other protections available under the law
indiv_wm_3

Business Planning

Your business may be one of your most valuable assets, and its financial success can have significant implications for the economic security of your family. We can create a plan to help you tap the value of your business to support your retirement, as well as identify opportunities for minimizing risk exposure through:

  • Retirement planning for you and your employees
  • Distribution of assets to the owners
  • Succession planning
indiv_wm_4

Retirement Planning

People are living longer with retirement often spanning decades. The strategy we create will integrate opportunities for maximizing growth and ensuring tax-efficient distributions, as well as planning for how to leave retirement assets to heirs. Options we’ll evaluate include:

  • Qualified employer-sponsored plans
  • Individual retirement accounts (IRAs)
  • Personal savings
  • Executive deferral plans
indiv_wm_5

Estate Planning

A sound strategy for protecting and preserving everything you’ve worked so hard to achieve is a critical aspect of any financial plan. Your plan will aim to optimize your control over assets during your lifetime, provide for potential health care needs, and allow for a smooth distribution of wealth according to your wishes. It will encompass:

  • Transfer of wealth
  • Minimization of the tax implications of wealth transfer
  • Asset protection
  • Charitable giving
indiv_wm_7

Education Planning

Helping fund a child or grandchild’s education may be a priority for you. We’ll help you identify the most efficient vehicles for saving for higher education, giving consideration to:

  • Selecting a state-sponsored 529 plan or a prepaid tuition alternative
  • Maximizing investment options and contributions
  • Identifying tax benefits
indiv_wm_6
 

Tax Planning

We’ll review the current and anticipated tax implications of your personal, investment, or business decisions with the goal of minimizing your tax liability. Considerations include:

  • Reducing taxable income through income deferral or shifting
  • Assessing your current deductions
  • Investment tax planning
  • Year-end planning strategies