How We Help You

We Provide a variety of services, click on a title below to learn more:

Comprehensive Approach

Most of our clients are at a point where they need coordinated financial planning. Our one-on-one process helps you tie your financial goals to what’s important to you. We help create personalized strategies unique to each client. We work directly with other professionals, such as accounts and attorneys, to ensure every aspect of ones’ financial future is well cared for.

Because your needs and objectives change over time, we continuously review, update and monitor your strategies. We are in touch when needed to discuss any changes that may impact your goals, and we proactively make changes to help ensure your plan continues to help you pursue your objectives. 

RETIREMENT PLANNING is one of the main goals of most clients. The retirement planning process is aimed at answering that very important question: Will I have enough money for my retirement?

This is a process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, determining when to start taking social security, estimating expenses, and managing assets and risk. Future cash flows are estimated to determine if the retirement income goal will be achieved. In the simplest sense, retirement planning is the planning one does to be prepared for life after paid work ends, not just financially but in all aspects of life.

The non-financial aspects include lifestyle choices such as how to spend time in retirement, where to live, when to completely quit working, etc. A holistic approach to retirement planning considers all these areas. The emphasis one puts on retirement planning changes throughout different life stages. Early in a person's working life, retirement planning is about setting aside enough money for retirement. During the middle of your career, it might also include setting specific income or asset targets and taking the steps to achieve them. Once you reach retirement age, you go from accumulating assets to what planners call the distribution phase. You’re no longer paying in; instead, your decades of saving are paying out.

Factors involved in determining the answer to that question include:

  • Life expectancy
  • Health during retirement
  • Diligence in saving over the years
  • Retirement income sources
  • Return on investments
  • Level of future inflation
  • Size of legacy desired

We make managing investments our full-time job, so it doesn’t have to be yours. Your financial plan benefits from our comprehensive investment management offerings that are designed to help you pursue your goals. There are four aspects to this offering that define the difference:

  • We select top tier asset managers for you and your specific needs
  • We select industry leading products for you and your specific needs
  • We believe in a process-driven, cost –effective approach to investment management
  • We invest our own money in the opportunities that we present to you

Legacy and Estate Planning- We work with you to help preserve your legacy.

  • Will settling your estate be a simple process or protracted nightmare?
  • Would you rather provide for your heirs or for the government?
  • Will your executor be able to carry out your directives?

We determine the most appropriate strategies that help minimize taxes, preserve principal, and allocate assets according to your wishes.

  • Charitable giving
  • Gifting assets to family or others

We help you aim to keep more of what you make.

By leveraging our financial advisory experience, we will help ensure your wealth management plan is operating in a tax-optimized manner. This includes looking for ways to reduce current and future tax burdens as well as utilizing tax efficient investment vehicles.

Insurance is essential to any comprehensive financial plan. If tragic events like death, disability or critical illness strike, insurance can protect you and your family from undue hardship. After a detailed analysis of your financial situation, we'll determine whether your current coverage is adequate for your lifestyle, needs and future plans. We'll then make recommendations to seamlessly coordinate your life insurance and/or long-term care policies into your retirement plan and estate plan. Only then can you provide the best financial support for surviving family members. 

Planning is also required for the young generations and the expectation of college expenses. 529 Plans (also known as qualified tuition plans) are some of the most powerful college savings options available to parents. A 529 plan is a tax-sheltered savings account specifically reserved for college funds.

Jackie and Lisa can be hired on an hourly basis to provide an in-depth analysis on particular areas of comprehensive financial planning.  Whether you are seeking advice regarding retirement planning, or an isolated personal/business financial issue, our hourly consulting services offer a flexible and affordable option for obtaining the advice you seek. You will receive as much assistance as you need, when you need it.

Our hourly consulting services include assistance with financial problem solving and consulting in areas in which we can provide valuable, targeted strategies, including:

  • Retirement Planning
  • Do I have enough money to reach my goals?
  • Income replacement during retirement
  • Tax-efficient drawdown techniques coordinating financial assets
  • Investment Portfolio Construction
  • Social Security Collection Strategies
  • Employer Pension Collection Analysis
  • Estate Planning
  • Insurance Analysis
  • Inheritance or Financial Windfalls
  • Cash Flow Planning
  • Charitable Giving

The costs for these services are based upon a $350 hourly rate with a $2,000 minimum initial engagement fee.  We begin the hourly planning process with a complementary initial meeting in person or on the phone.

Click Here to contact us today!