You’ve worked hard to earn your success – Now it’s time to take it to the next level!!

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No matter where you are in your financial life or what your financial goals are, we work with you to create a comprehensive plan to help you pursue your goals. We don’t believe there’s a one size fits all approach to financial planning and tailor every plan specifically to each clients’ financial picture.

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Investments Management

Our investment portfolios are based upon your specific objectives, time horizon and risk tolerance. We believe that although you may not be able to time the market, you can spot momentum trends in it to follow. We use a combination of fundamental and technical analysis to identify the strongest assets to invest in and when it’s better to have a more defensive allocation vs. offensive. Fundamental Analysis tells us what to invest in while Technical Analysis tells us when to invest or sell.

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Financial Planning

While no one knows how long they’ll live, if you’re in good health, have longevity in your family and live a healthy lifestyle, there’s an excellent chance that you or your spouse could live to 90 or beyond. We’ll work closely with you to determine what your expenses are today and your potential expenses in the future. From there, we’ll create a comprehensive plan that focuses on your goals and objectives, then help you implement the plan and monitor its progress annually.

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Risk Transfer Planning (Insurance)

The simplest definition of insurance is to transfer risk from one party to another. There are various versions of risk everyone planning for the future should prudently consider in any plan. Life insurance and disability insurance are important coverages to have when your’ in the accumulation phase of your’ financial life and need to protect your earnings ability or families lifestyle. Once in retirement, most peoples’ risks change to protecting what you’ve accumulated from estate or inheritance taxes and ensuring your assets aren’t significantly depleted if you require long-term care. Due to our independence, we have the ability to shop around to all providers available in the marketplace for the best product that meets your needs and circumstances. One thing to remember about insurance, prepare for it today because later, when you might need it, you may not be able to get.

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Tax Planning

It’s common for individuals and families to neglect tax planning until the final months leading up to the tax filing deadline. However, by implementing tax strategies throughout the year, individuals may be able to reduce the taxes they pay or avoid unnecessary taxes completely. Whether your still accumulating towards retirement or already in retirement, the tax code governing retirement plans is daunting and unforgiving when not followed. We do a thorough review of all the plans you currently have and create projections to determine the most tax-efficient way to not only accumulate more but also withdrawal from them in retirement.

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Claiming Social Security

Like taxes, or any bureaucratically run program for that matter, the various ways to claim Social Security can be confusing. Also, once selected it’s either cost prohibitive to change or irrevocable for life. For example, you may receive your greatest lifetime benefit by waiting until you are 70 to claim. In addition, distributions from your retirement accounts can have adverse tax impact on your benefit. As part of our analysis we’ll review all the options available to you and educate you on the benefits of each.

 

Legacy Planning

Planning for the transfer of assets after death can be one of the most important actions you can take, seeking to save your family time, money and offering relief during a difficult period. Unfortunately, a families estate can be subject to significant State and Federal  Taxes if provisions  aren’t taken to protect them. We’ll review everything you currently have in place to ensure any lose ends are taken care of and can refer you to local attorneys who can help in drafting new documents if necessary.

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