Estate Planning Assistance
We participate in utilizing various planning techniques to help clients transfer wealth in the most tax-efficient ways. We can provide you peace of mind by helping to ensure that your IRA beneficiaries are being named properly. Armed with trust experience, we speak with clients about their current estate situation and offer suggestions to help meet their objectives.
Minimizing Income Tax
We assist clients in developing tax-efficient investment strategies for both taxable and tax-deferred accounts. We track realized gains and losses in taxable portfolios to help manage our client’s tax situations. When appropriate, we use tax-free bonds. We can discuss and help implement other tax saving strategies, such as planned giving, charitable remainder trusts, private foundations, or setting up tax deferred pension plans.
Cash Flow Planning
We help our clients in developing a budget and helping them prioritize expenses relative to their income.
401(k) Fund Selection
We assist clients in meeting their retirement goals by analyzing the investment selections within qualified retirement plans such as 401(k)s and 403(b)s.
We review life insurance, long-term care and disability policies to ensure our clients have appropriate coverage. If additional assistance is needed, we will make referrals to reputable, outside insurance professionals as we do not sell insurance products.