Wealth Management

A successful wealth management strategy is one that provides for you and your family today, in addition to preserving enough for future generations. To achieve this success, a financial strategy must be comprehensive. That’s why we work with your attorney, accountant, and other professionals, as necessary, to create a customized approach which considers all your wealth management needs.

Depending on your stage of life, and types of concerns, your representative will help you find the appropriate solutions to issues such as: funding for an education or retirement, tax planning*, protecting assets for both you and your family, and organizing your estate.

Wealth Accumulation

Portfolio Building—With the right asset allocation, we can seek to maximize the growth of your investments, while minimizing the risk. We’ll take into account your risk tolerance, liquidity needs, as well as your short and long term goals.

College Funding—We can help you choose from available savings and investment vehicles for financing an education.

Retirement Planning— As you prepare for a secure retirement, we can help you evaluate all existing retirement plans: pensions, 401(k)s, IRAs, and annuities. We can also assess the tax consequences of your IRA Rollover and, if desired, assist in implementing your decision.

Wealth Protection

Survivorship Protection— We can help you develop a strategy using life insurance to provide the income your heirs will need to maintain their way of life.

Asset Protection—We can implement strategies to seek to maximize and protect your hard earned retirement savings and your independent lifestyle.

Disability Income Insurance— Often overlooked is the need to protect one’s current income stream, and future earnings, in the event of a disability. We can help you protect your future earnings from such an event.

Long-Term Care Insurance—We can help prevent a long-term illness from adversely affecting your financial future — and that of your loved ones.

Wealth Distribution

Trust and Estate Planning*— With the right strategy, you can control your assets according to your wishes; you can minimize taxes, reduce administrative costs, and ensure the effective management of your affairs, should you become incapacitated. To pass along your wealth, you may also be interested in developing charitable or family gifting strategies. Based on your individual situation, we can recommend techniques for approaching these challenges.

*The financial analysis and recommendations are not intended to replace the need for independent tax, accounting, or legal review. Individuals are advised to seek the counsel of such licensed professionals.