Three Dimensional Financial Planning

  • Identify your "why." What are your goals and dreams?
  • Develop a current family balance sheet
  • Are you on track to reach your goals? What changes can we make today to make you more secure tomorrow?
  • What is your "family index?" How much investment risk do you need to be taking?
  • Create your personalized Investment Policy Statement, including a family asset allocation plan.
  • Stress test your plan to see how you fare if assumptions are incorrect.
  • Review your defensive strategies: Is your insurance coverage optimized for your current situation?
  • Review your estate plan to make sure it is aligned with your plans.

Investment Advisory Services

  • Identify appropriate managers to implement your Investment Policy Statement
  • Year-round monitoring of your investments
  • Regular meetings to review and evaluate your investment performance, update your overall financial objectives and, if necessary, reallocate your portfolio
  • Quarterly Statements (monthly statements from custodians when there is activity in an account)
  • Independent advice. We do not work for any investment product companies
  • Review of your investments within your employer provided retirement plans such as 401(k)s, 403(b)s, or 457 plans.
  • Quarterly “market watch” newsletter detailing our firm's analysis and view of the current state of the markets

Tax Reduction Planning

  • Comprehensive review of your tax return by a partner CPA to highlight opportunities for maximizing tax reduction strategies
  • Complimentary consultation with your tax preparer
  • Recommendations of tax-reduction solutions including tax advantaged investments
  • Staying up-to-date on and presenting new tax laws that can affect your situation

Retirement Income & Distribution Planning

  • Analysis of your income needs now and in the future; preparation of a written income plan where appropriate
  • Continual development and implementation of recommendations to fund your income needs and help maintain a comfortable standard of living
  • Recommendations regarding the most appropriate distribution strategy for your employer retirement plans and IRAs
  • Analysis of the beneficiaries of your IRAs and how to establish an Inherited IRA

Family Wealth & Estate Planning

  • Analysis of your current estate plan by a partner attorney to identify inconsistencies or concerns
  • Review title and beneficiaries on investment accounts
  • Complimentary consultation with your attorney
  • Assistance in transferring assets to your Living Trust or other trusts
  • Providing guidance with the appropriate and necessary steps in the event of the death of a loved one

Client Service & Communications

  • Quarterly Newsletter to keep you apprised of the most current planning options
  • Regularly scheduled in-person, telephone, or video-conference reviews
  • Special reports on how to help reduce your taxes and other important topics
  • Special Gold Medal Service Events, including client appreciation events