EDUCATION
Social Security Planning
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Will Social Security be there for me?
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How much can I expect to receive?
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When should I apply for Social Security?
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How can I maximize my benefits?
The decisions you make today can have a tremendous bearing on the total
amount of benefits you stand to receive over your lifetime.
Medicare Planning
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When do I sign up for Medicare?
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What does Medicare cover?
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How much does it cost?
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Will I need other insurance?
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What about long-term care?
Now is the time to start planning for health care expenses in retirement. Find out what you need to do to obtain the coverage you need and protect against rising costs.
Tax Planning
As time goes on tax laws get more complicated as the government gets more creative in raising revenue. In addition, tax preparers are essentially numerical historians, looking at what has already been done. We carefully analyze every client's tax returns and combined with the investment information we already have, our team can provide forward-looking tax strategies that are individualized to each of our clients' tax situation.
Investment Management
Portfolio management is designed specifically for each client's unique capacity for loss and duration of time to reach their goals which are clearly defined during our financial planning process. Once the unique asset allocation is determined, our investment management discipline is much like tending to a garden: pruning to preserve the profits when necessary, weeding out the laggards to prevent the losers from dragging down the portfolio and adding water-saving or adding, to nourish and help it grow. Most other advisors only have a buy discipline but not many have a sell discipline. Our process is non-emotional, fact-based, disciplined and tailored for each client's accounts while keeping tax-efficiency in mind.