Your goals and concerns may be simple or complicated. They could be saving for a home, providing for a child's college education, protecting your family from unexpected events, planning for retirement, ensuring that retirement savings will last throughout your lifetime…or they may be creating an efficient estate tax avoidance plan for your heirs or creating and managing an endowment fund.
Your goals are important. So, we help you create a budget, cash reserves, savings plan, provide investments options, create income and distribution strategies, provide social security planning, pension maximization, tax reduction, risk management analysis, charitable giving options, or estate planning tools to help you meet them.
We specialize in working with the following clients:
- Young Individuals and Families
The biggest financial concerns for younger clients are debt repayment, meeting current expenses, saving for a home, paying for healthcare, saving for college, and funding their retirement.
We understand that despite debt and economic disadvantages, many younger clients are still planning financially for their future by putting money into a savings accounts and investing in a 401(k). Our advisors are here to partner with you as you fight off financial debt and we will help you plan for an optimistic and abundant future.
- Pre-Retired & Retired
Many pre-retired clients are worried about not being able to retire when they want because of fears they have not saved enough. They have already withdrawn money from retirement plans to fund current expenses, to pay off credit cards, or to fund college. Many are delaying retirement. Retired clients worry about running out of money in retirement and many still have debt. Health issues and health-care costs are also some of their biggest concerns.
Our advisors help you plan for a confident future. We review your income, expenses, savings, and investments to create a custom financial plan that will help you reach your retirement goal. We will help monitor and manage your finances before and during retirement as your needs evolve. Our goal is to help you worry less about your finances so you can enjoy spending time with your family, traveling, and pursuing your passions.
- Women
Women have made incredible strides in the last half-century. They are better educated, have greater job responsibilities and are leaders in many professions. Many are the primary breadwinners, own private business, and control 51% ($14 trillion) of U.S. personal wealth. Their challenges are saving for their own retirement, caring for elderly parents who have health concerns or have not saved enough, less well-off siblings, or their own adult children who have yet to move out and establish themselves.
We will help you overcome these challenges. We help you know where you are, know where you are headed, track your progress, and forecast your path toward the goals that are important to you. We want to know your values, dreams, and concerns. We will examine what is important to you personally regarding your family, your business, and others who are important to you, so that we can create a holistic plan.
- Values-Based Investors
Values-based investing provides screening processes available for investors to achieve competitive investment returns without compromising personal convictions. Values-Based Investing (VBI) is an investment philosophy that considers various criteria that investors value. For example, clients may screen for Environmental, Social, and Governance (ESG) or Ethical Values from their portfolios. We can help you match your investments with the values that are important to you.
