Family & Business Wealth Management
Accumulation Phase
Early career phase, growing in your career and starting to build assets. (401K, insurance needs, etc.)
Consolidation Phase
Mid to late career phase, income exceeds expenses and you reach peak productivity, with home equity, retirement assets, and a personal investment portfolio. Short-term college needs for children may arise. It is also time to catch up if needed.
Spending Phase
After retirement, earned income may stop and funding comes from withdrawals of investment portfolios and retirement plans. Other income may include a pension and Social Security.
Gifting Phase
High net worth and an inability to outspend retirement assets. Estate planning is most important.
Planning & Protection
We use Right Capital technology for our financial plans. We believe in comprehensive planning designed around you. We understand that life brings changes, from marriage and children to retirement. Life events require a rules-based approach and proven principles. We continually stress test your plan with Monte Carlo tools.
Social Security Optimization
Needing to decide when to take Social Security? Many people are confused about when the "right time" is to start collecting their social security benefits.
Estate Planning
Is designed to give you the peace of mind to know your legacy will be continued on for generations. Estate planning is for everyone. Addressing your financial concerns and taking into account legal, tax considerations, and how you want your legacy to be remembered.
Education Planning
Saving for college is on minds of every family. Helping find strategies to help you save for children college is never too early.
Business Planning
Support clients who own businesses by modeling those businesses into their financial plan. Model Cash Flows, Monitor Assets and Liabilities, and identify long-term planning opportunities.