Our Clients Typically Seek

  • A retirement lifestyle of financial independence.
  • Protection of an accustomed lifestyle for your surviving spouse.
  • Assurance that every nickel that you want to go to your children will in fact go to them.
  • Reduction or elimination of possible income tax, capital gain tax, and estate tax

Once these four goals have been met, you often seek to:

  • Create a family legacy that will make a difference in the lives of others and the community, your church, a ministry, school, or favorite charity.  This legacy memorializes your family name and sets an example for your heirs and others to follow.  This legacy may be created through a beneficiary designation, a charitable trust, a donor advised fund, or a family foundation.  You realize that there are two forms of wealth, Social Wealth and Personal Wealth, and that through Strategic Planning you can make a significant difference in the lives of others, while protecting an estate for your heirs.


Specialized Areas of Planning


  • Investment Planning:  To establish investment goals, asset allocation, diversification, and tax efficiency, while seeking to minimize risk.
  • Education Planning: Seeking to establish adequate college funds for children and grandchildren.
  • Retirement Planning:  Seeking to project and visualize future income, expenses, and taxes; seeking to create an income that will last a lifetime.
  • Investment Management:  The use of active management, style-specific managers, advanced investment techniques, and tax-efficient management to potentially improve investment returns and lower risk.


  • Distribution Planning:  Strategies to provide growth, income, and growth of income during retirement, to support an income which seeks to last a lifetime, as well as to fund special interests, travel, and family or charitable gifts.  Tax-sensitive investment management, and charitable-gift and trust strategies may be used to enhance income and asset distribution.


  • Asset Protection:  Positioning and insuring assets against the ravages of long-term care expenses, premature death, critical illness, accidental injury, and developmental disabilities.  Our consultation may involve providing assistance in the qualification for social programs, tailoring investments to avoid asset depletion, needs analysis for life, disability, critical illness, and long-term care insurance, and coordinating strategies with legal counsel experienced in the areas of Elder Law, Family Trusts, and Special Needs Trusts.

        Wealth Planning: Estate Optimization and Charitable Gift


  • Legacy Planning:  To identify and preserve your Core Family Values and Beliefs, and to Integrate them with your Financial Strategies.  Development of a Family Vision Statement is encouraged, to focus your intentions, goals and support for family and charitable causes.  You may wish to establish a Family Foundation, Advised Fund, or Charitable Trust.  One of our goals would be to assist you in visualizing the effects of your planning, whether it is income, estate, tax, legal, or charitable gift planning.  We wish to make the complex simple.


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We Value Our Relationship


Serving Professionals Since 1980