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Our Services

More Than Just Investments<br/><br/>

More Than Just Investments

Our menu of services has been carefully designed for those who are looking for more from a financial professional than market forecasts and fancy investments.     


Financial Planning

The process of Financial Planning helps you answer the important questions where life intersects with money.  Below are some of the questions that we commonly see.  Clients often initially engage with us for financial planning as we are establishing a professional relationship.  


  • We’re already maxing out our 401(k)s, where should our next dollar go?
  • Should we pay off our house early?
  • Are we on track to retire at our current lifestyle?
  • Can I afford the new house or vacation home?
  • Am I invested properly as I approach retirement?
  • Can I transition to part-time work or pursue a passion project without jeopardizing my financial security?
  • How should we prioritize our retirement, charitable, and lifestyle goals?

Investment Management

Most folks that work with us prefer to delegate the day-to-day decision making on their investments. After fully understanding your financial situation and goals, we will create a written investment plan also referred to as an Investment Policy Statement as a framework for the ongoing management of your investments.  Regular meetings help ensure that your investments continue to reflect your current circumstances and stay responsive to life’s changes.


Wealth Management

Our Wealth Management services help clients simplify things by coordinating all aspects of their financial life (financial planning, investments, tax strategies, retirement income, insurance, estate planning, etc.) We will gladly collaborate with other trusted professionals on your team (CPAs, attorneys, insurance agents) or can refer you to a local vetted professional.


401(k) Rollovers

Decisions around your 401(k) or employer sponsored retirement plan (403b, Pension, Profit-Sharing, etc.) can greatly impact your retirement lifestyle, tax situation, investments, and estate plans.  Because the costs of making an ill-informed decision are so high, it is crucial that you receive advice that is in your best interest.

 

If we determine it is in your best interest to roll funds out of the plan, we can help you correctly rollover the funds to one of the financial institutions we work with.  We will also document in writing why we believe any rollover recommendation to be in your best interest.


Tax Strategies

It’s not just what you make, but how much you keep that counts.  Most folks use their tax professionals as scorekeepers during tax filing season, but as financial professionals we are in a unique position to help clients be more strategic throughout the year.  Below are some of the questions/concerns that we can help address.


  • Should I consider tax-advantaged investments? (ie. Exchange-Traded Funds, Tax-free municipal bonds or funds)
  • Would I be a good candidate to convert some of my pre-tax IRA or 401(k) to a Roth IRA and when might be good timing to do so?
  • Are there more tax-efficient ways of giving assets to charity than my current approach?
  • I’m concerned that my future Required Minimum Distributions may subject me to higher taxes and IRMAA (Income Related Medicare Adjustment Amount) in the future.  What should I be doing now?

Estate Planning

We have found that a lot of financial plans fail due to a lack of thoughtful Estate Planning.  You may think you’re all set after you have met with your estate attorney and signed on the dotted line to execute your wills and other documents.  


  • Have you reviewed your beneficiary designations recently and made sure they still match with your wishes?  
  • Did you move investments or property into that trust you just established to help avoid probate? 
  • I want my investments to be available for my surviving spouse, but anything that is left to go to a child from a previous marriage. How do I accomplish that?


We help you update your financial assets so that your estate plan works as you had intended.  This is the work the attorney didn’t get paid to do, but could cost you and your loved ones dearly if not carried out properly. 


Insurance Planning

Insurance is useful to help protect you and your family from financial loss.  We help you identify the greatest risks to your family’s financial security and understand if you may have insurance policies that are no longer a fit for your needs.


Retirement Plans for Your Small Business

If you are considering adding a retirement benefit for your company or already have one that isn’t working well for you, we can help!  We have a subject matter expert that can help evaluate your current plan and recommend more appropriate options so you can stay focused on your business.

Contact UsLive Life by Design, Not Default

It all starts with a conversation.

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