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Consultative Wealth Management

Wealth Management Designed Around You

Our comprehensive, fee-only wealth management approach encompasses much more than just your assets and liabilities. Instead, we strive to help each client build a complete life plan that is founded not only on your finances, but also on your hopes and dreams. As your trusted advisor, our goal is to empower and educate you on how you can structure your financial resources. We work with you to eliminate money-related stress and anxiety, and approach financial actions with energy and enthusiasm to help you realize all that is most important to you.

Your Needs Drive Our Relationship And Advice

To help you create a plan that achieves your goals, our consultative wealth management process includes five main components.

Wealth Management = IC + WP + WE + WT + CG

  • IC = investment consulting
  • WP = wealth preservation
  • WE = wealth enhancement
  • WT = wealth transfer
  • CG = charitable giving

Investment Consulting

  • Investment Management for Retirement, Education and Financial Security
  • Reduced Investment Complexity
  • Tax-Smart Asset Location Decisions
  • Tax-Efficient Security Selection
  • Tax Loss Harvesting

Wealth Preservation

  • Risk Identification
  • Insurance Analysis and Advice
  • Protecting Assets from Liability or Creditors
  • Debt Management and Strategies

Wealth Enhancement

  • Tax Planning and Tax Minimization Strategies
  • Cost Cutting for Financial Services
  • Counseling for Budgeting, Spending, and Saving
  • Itemized Deduction Maximization
  • Tax Deductions for College Savings

Wealth Transfer

  • Guidance with Estate Planning
  • Planning for Family Gifts
  • Estate Planning Strategies to Reduce Inter-generational Taxes

Charitable Giving

  • Planning for Charitable Gifts and Legacy Strategies
  • Tax Reduction Strategies
  • Personal Donor Advised Fund in your Family Name

In our experience, few families need help in all of the areas above. Most people, though, can derive tremendous gains from unbiased guidance in some of them. Oftentimes, the increased return as a result of using a lower cost portfolio coupled with greater diversication adds value far greater than our fees - essentially making our services free.  As a result, we believe we'll be able to deliver a truly comprehensive, customized plan to serve as the foundation for your future that is very cost effective.

The only product that our firm sells to its clients is advice about their financial affairs. That guidance is continuous, all-inclusive, and readily available. We aim to be the primary source of advice for all our clients in every part of their financial lives. For every financial decision, no matter how large or small, we encourage our clients to turn to us first. In many cases, a simple conversation about the current issue under consideration has saved our clients hundreds of thousands of dollars. We enjoy answering your financial questions. We help our clients avoid expensive financial mistakes.