Services
Wealth Management
When managing wealth, we don’t believe that anyone can “time” the markets or sustainably trade by guessing the short-term direction of securities prices. The next uptick or downtick of the Dow is unknowable; we’re convinced that only a charlatan would pretend otherwise. Therefore, we apply the only approach that we believe works over time: a long-term investment strategy rooted in the precepts of value investing.
Retirement Planning
A retirement plan needs to consider all elements of your personal situation. We work with you to determine your specific goals, needs, risk preferences, and time horizon to design the optimal plan for you. We’ll conduct a detailed analysis to see how much you can afford to distribute in retirement. We’ll also help you maximize social security credits and benefits.
Pension Planning
Directing hard-earned income into tax-deferred or tax-free accounts is one of the most important aspects of retirement planning. We establish and manage IRAs, Roth IRAs, SEP IRAs, Solo 401(k)s, and other pension plans. We also calculate and manage Required Minimum Distributions (RMDs) once retirement age is reached.
Insurance
Since we don’t sell any insurance products, we can provide objective advice on all types of insurance, including homeowners, renters, life, disability, auto, umbrella, flood, professional liability, and health. We also provide guidance regarding Medicare, including Rx Part D and supplemental coverage. We make sure you are not overinsured or underinsured.
Tax Planning
We review your overall tax strategy to make sure it makes sense. Although we’re not accountants and do not prepare returns, we can act as a second set of eyes—reviewing the tax return for the big picture (something only the most proactive accountants do).
Trusts & Estates
We review trusts and estates plans to make sure basic documents are in place, including wills, durable powers of attorney, living wills, TOD designations, IRA beneficiary designations, and health care proxies. Though we’re not estate lawyers and don’t draft documents, we review the overall plan to make sure all bases are covered. We also assess the need for trust strategies and other techniques to avoid probate, save estate taxes, and provide credit protection.
Budgeting
If you need assistance with budgeting, we’re here. We can design budgets and tailor savings plans. We can also provide advice regarding large purchase decisions like car leasing/buying or home purchases and financing.