In order to address the breadth of our clients' needs, we go beyond investing assets to provide a variety of financial planning services. A good plan is the most important component in achieving any of your financial goals. Whether you are preparing for retirement, funding an education, or building or settling an estate, our team of professionals can help guide you through the complexities of these financial decisions.
ESTATE PLANNING
You may have very specific needs related to the preservation and transfer of wealth. Our team of professionals will create a tailored estate plan aimed at minimizing your taxes and maximizing the distribution of wealth to the intended beneficiaries, while providing maximum flexibility to the drafter.
INSURANCE PLANNING
Just as you work hard to accumulate wealth, it is equally important to protect your financial future from unforeseen difficulties. Our team of professionals will provide an objective analysis of your current insurance coverage to determine the optimal insurance plan for you, for your family, and if appropriate for your closely-held business. Because we do not sell these products, we will provide you with a completely unbiased opinion.
DIVERSIFICATION OF CONCENTRATED HOLDINGS
If your holdings of a single public company represent a large proportion of your total assets you may be exposed to a significant amount of risk. We offer derivative-based hedging strategies to convert this type of holding into a broadly diversified portfolio which will reduce your risk and preserve your overall wealth.
OPTIONS EXERCISES
If you have been granted a complex set of stock options we can assist you in reviewing the tax consequences of alternative exercise schedules and help you decide which options to exercise and when.
401K INTEGRATION
To achieve your financial objectives it is important to view your financial situation as an integrated whole. Our parent company offers specialized services which assist 401K plan participants in setting the asset allocations for their 401K accounts. We provide this planning service to
all of our wealth management clients
We can deliver a comprehensive review of your overall financial condition on an annucluding any or all of these specialized areas. Because we are independent, you can be sure that our recommendations are in your best interest, and not influenced by outside factors. When necessary we will recommend independent third party experts to draft wills and trusts, and to provide the appropriate insurance products.