What We Do

Would you have more peace of mind if you knew your  financial puzzle were taken care of? 

 

 

As a Wealth Retainer client you receive ongoing planning to navigate your financial life.

Financial Planning

Education Funding.   Identifying the right mix of options and maximizing their use is a complex and confusing process,  I can show families of any income level to effectively save for  college.

Retirement Planning.  Retirement planning is more than simply ensuring that you won’t outlive your money.  It also involves the timing of benefits, including Social Security, and – beyond the money aspects – it’s about how you will make your retirement years personally fulfilling and enjoyable.

Estate Planning.  I’ll help you consider choices you can then implement with your attorney. It may involve naming a guardian for minor children, making provisions for dependents with special needs, addressing medical directives and other end-of-life considerations. I can help determine when a trust is appropriate.

Risk Management.  Determining what risks you face, how to protect yourself and understanding and maximizing your employee benefit package are vitally important to your financial security. I can help you through this maze of choices.

Goals and Values.  Collectively, we build your financial plan on the foundation of your goals and values.  Everything else is coordinated so that you can achieve your goals while remaining true to your values.  I spend time getting to know what is important to you and your family so I can help you build the life you want.

 Investment and Wealth

Portfolio Analysis. We compile a complete inventory of your investments and analyze each for costs, tax efficiency, purpose, risk, and diversification.  Then, we help you to understand what you have and whether what you have is appropriate for you.  Finally, we help you make changes as needed and continue to analyze what you have as your circumstances change.

Investment Allocation. We use Functional Asset Allocation to create an overall net worth growth or preservation plan.  A plan that protects you during market downswings and helps you fully participate in times of prosperity.

Investment Implementation.  No matter which investment custodian you use, we work with you so that the changes we agree on are made correctly and on a timely basis.

 Taxes

Tax Preparation. I simply your life by including tax preparation in your retainer while implementing our tax strategies on your return.

Tax Planning.   Tax planning helps to lawfully structure your income to take advantage of the adjustments, deductions, and credits for which you qualify so that you pay only what you owe when you owe it.

 

 

 

 

 

 

 

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