​A primer on financial planning and terminology.

​Once we fully understand your specific situation, we begin to build a plan to suit your needs. Asset classes fall under five broad categories:

Stocks

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Bonds

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Cash

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Alternatives

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Insurance/
Annuities

​Initially, we identify a broad set of diversified asset classes to serve as the building blocks for your portfolio. Our approach also evaluates each asset class on its potential for capital growth and income generation, volatility, correlation with the other asset classes (diversification), and inflation protection.
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Research¹ has consistently found the best way to maximize returns across every level of risk is to combine asset classes and allow individual securities to generate alpha.

​Terminology

​Wealth Management

​Investing advice still might mean something in this crazy world of robot advisors and apps and near-constant information. We think it does. Nothing can protect an individual completely from market volatility, but we align our clients’ portfolios with their risk tolerances to ensure that they’re comfortable with their wealth management choices.

​Education Planning

College is one goal people start saving for early, when they have young children in their homes. Or you may want to save money so you or your spouse can return to school. Whatever your goals, people often use a variety of tools, including 529 plans, to accomplish their education-related ambitions. And did you also know you might be able to use a 529 savings plan to save on taxes when paying tuition at a private K through 12 school for children in your home? Checking with an advisor is the best way to make sure you reach your education-related goals.

​Retirement Income Planning

After looking at your unique financial situation, we aim to design a retirement plan that helps you create an income you can’t outlive—one that maximizes the value of your assets to protect your family, and one that preserves your legacy for your beneficiaries. We help people with unique situations; we find financial strategies that fit their goals.

​Social Security Strategies

With our in-depth knowledge of Social Security, we can help you decide when is the right time to start drawing your benefits. Our goal is to assist you in maximizing your Social Security benefits, coordinate them with your spouse’s benefits, and help you fill the gap between your benefits and your overall retirement-income needs.

Long-Term Care

We can help you navigate your questions when it comes to selecting the right long-term care coverage for you and your needs. Or are you having to figure out how to pay for the unexpected extra expense or care for yourself or a loved one? Even if it’s “too late” for traditional long-term care, we help you understand what your options are should your resources become depleted. 

Estate Preservation 

​Estate planning can be an emotional and complex series of decisions. Whether you want to leave your assets to your heirs or charity or want to develop a succession plan for your business, we can help you design a strategy that allows you to share your life’s successes with others while also leaving a legacy for those you love.

¹ Markowitz, 1952; Sharpe, 1964; Brinson, Hood & Beebower, 1986; Brinson, Singer & Beebower, 1991; Ibbotson & Kaplan, 2000.

Download your complimentary "10 Steps to a Successful Retirement" guide today!