Learn about the people we help.
Retirees
Families and Individuals
Business Owners
Our Process.
We teach you how to do it.
Spending Plan
- Budget
- Fixed Expenses
- Variable Expenses
Saving Plan
- Savings Priorities
- Emergency Fund
- Education Savings
- Debt Management
Investment Plan
- Investment Goals
- Proper Investment Vehicles
- Portfolio Design
Insurance Plan
- Life Insurance
- Disability Insurance
- Long Term Care
- Property and Casualty
Estate Plan
- Healthcare Proxies
- Power of Attorney
- Wills and Trusts
- Charitable Remainder Trust
Tax Plan
- Tax Aware Investing
- Projections
- Tax Efficient Distribution
Goals & Risk Profile
Be clear and realistic about the goals you are striving for, the expected length of time to achieve those goals, the amount of risk you can tolerate as well as how much you need to take, and other material circumstances such as need for income, tax situation, etc.
Asset Allocation
Implement a strategic global allocation model that strives to balance the maximum desired return for the least amount of risk.
Diversification
Diversify investments both between and within asset classes.
Investment Selection
Utilize rigorously vetted and consistently proven mutual funds and Exchange Traded Funds (ETFs) for their accessibility, transparency, diversification, low cost and tax efficiency.
Investing in mutual funds involves risk, including possible loss of principal.
Rebalancing
Take a prudent approach to rebalancing. Consider tax implications, total fees and cash flows when realigning an allocation.