Our Services Comprehensive Financial Strategies We help you create a personalized financial strategy with your lifestyle goals in mind. Based on our discovery process, we work with you to build an appropriate plan that supports your objectives, then monitor it regularly to help you stay on track. Our services and strategies include: GOALS REVIEW Regular communication is the key to help ensure that our clients pursue their financial goals. As such, our firm will reach out to you on an annual basis to review your current situation and any life changes that may have occurred. These reviews can be in the form of an in-person meeting or phone call and will focus on life events that may have altered your needs. If in the meantime, if a major life event has occurred, we urge you to reach out to our firm, as we are committed to helping all of our clients remain on track to reach their financial goals. Major life events could include: Change in marital status Purchase or sale of a home Birth of a child Change of occupation or job Children beginning college Retirement Death of a loved one FINANCIAL PLANNING As part of your annual financial planning maintenance plan, our team will review and update your financial plan on an as-needed basis. If you have had recent life changes that require a review and/or update to your financial plan, please let us know so we can update your plan accordingly. As a part of plan development, we review of your goals and objectives to ensure you are on track and that we are providing proactive service to help you address those goals by incorporating the following services: Tax planning discussion Cash flow review Charitable giving review Education goals Savings and emergency funds Accumulation goals Philanthropic goals INSURANCE PLANNING As major life changes occur we will evaluate your insurance coverage to help ensure you are not unnecessarily exposed. As part of our ongoing engagement, we will continue to evaluate the following: Life insurance Disability income insurance Health insurance Long term care insurance Property and casualty insurance Asset protection INVESTMENT MANAGEMENT Our experience tells us that a disciplined and diversified approach to investment management offers the greatest potential for investment success. We believe that a family’s approach to investing should not only include diversification among asset classes, but various strategies as well. Diversification and asset allocation do not guarantee a profit nor protect against loss in a declining market. They are methods used to help manage risk. With that in mind, we will track and manage your investment strategy by offering the following services: Ongoing portfolio management and asset allocation review Risk tolerance analysis Tax and cost basis reporting Diversification strategies TAX PLANNING The goal of tax planning is to evaluate and arrange your financial affairs to help minimize your taxes based on your current situation. We can assist with this in various ways including: Tax gain/loss summary Forward year-end tax planning information to your personal CPA Conduct phone calls with your CPA to review tax issues Coordination with your CPA and attorneys as tax developments occur ESTATE PLANNING The goal of estate planning is to anticipate and prepare for the allocation of your estate. We offer the following services to assist with this: Estate plan review and coordination with other professionals Beneficiary designation review COORDINATION WITH OTHER PROFESSIONALS The financial services industry offers an array of services and covers multiple professions. As such, we actively collaborate with our clients’ professionals to help clients with their immediate and long-term financial needs. We firmly believe that this coordinated approach best serves the needs of our clients and allows us to provide you with recommendations for professionals if a need arises. and your loved ones. Our advisors understand the importance of preserving wealth for future generations and handle even the most complex estates with care. Integrity and trust were integral to your success and are equally so in our estate and legacy planning.