Cash & Debt Management

We examine your income, expenses, assets, and liabilities.  Based on this information, we provide recommendations to enhance the use of existing assets, utilize income in the most efficient manner, and improve your levels of liquidity, debt, and available credit.  Planning areas may include debt management, funding major purchases, creating emergency reserves, and effectively utilizing current assets and income.

Income Tax Planning

Minimize federal and state income taxes in a manner that is consistent with your personal financial goals.  Planning areas may include proper utilization of tax-deferred savings, consideration of the alternative minimum tax, tax incentives for self-employed individuals and business owners, estimated tax payments, optimal use of tax deductions, and the appropriate timing of income and deductible expenses.

Education Financing

Financing a child’s education is challenging, and sorting through the vast array of financing options can seem overwhelming.  We calculate the projected cost of education, identify appropriate savings vehicles, and develop a detailed plan to meet education expenses.  Our analysis considers various types of savings accounts, appropriate asset allocations, available tax incentives, and the impact on financial aid, asset control, and your other financial objectives.

Insurance

Planning

Risk management and insurance planning focuses on limiting your financial exposure to a number of adverse circumstances – illness and injury, premature death, disability, personal and professional liability, and loss or damage to property – in a manner that is effective, efficient, and consistent with your long-term objectives.

Investment Planning

Create a well diversified, tax-efficient investment portfolio that is consistent with your needs, risk tolerance, time horizon, and personal circumstances.  Based on our understanding of your personal objectives and a detailed analysis of your current investments we make specific recommendations to design an investment portfolio that is consistent with your personal objectives.   Personal wealth management clients also receive ongoing investment reporting, monitoring, and management.

Retirement Planning

Analyze your projected retirement assets, income, and expenses in order to calculate the level of assets required to support your financial independence.  We also incorporate computer modeling and probability analysis to simulate the range of possible outcomes, determine the statistical probability of your success, and develop strategies to enhance your plan.

Stock Options & Concentrated Stock

Planning for stock options and concentrated stock positions requires an understanding of income tax, cash flow, estate planning, risk management, and portfolio management.  Analysis and recommendations take into account your personal objectives, strategies to reduce volatility and downside risk, the impact on investment diversification and risk exposures, and the associated tax and cash flow implications.