Our Services
Financial Planning
Whether you are just starting your investment journey, nearing retirement, or navigating a major financial decision, we can help make sure your financial plan aligns with your goals. Our four-phase process is focused on helping you make informed decisions.
Intro Meeting & Goal Setting
We start with a conversation to understand your circumstances and clarify your goals.
Discovery & Analysis
We review your current situation, highlight what’s working, and identify opportunities for improvement.
Plan Development
We create a tailored financial plan and investment strategy, explaining recommendations clearly and simply.
Implementation & Review
We put your plan into action and provide ongoing reviews to adjust as your life or the markets change.
Investment Management
Growing and preserving wealth is an important objective, but managing risk is just as critical. Our portfolios start with a core allocation to low-cost, index-based ETFs, which can provide diversification across asset classes, industries, and regions. From there, portfolios are tailored to align with each client’s long-term goals.
We also consider challenges such as concentrated stock positions and the need for flexibility. Where appropriate, we may incorporate tax-aware strategies — including tax-loss harvesting or allocating assets across different account types — with the aim of improving after-tax outcomes. Finally, we provide ongoing oversight, reviewing portfolios regularly and making adjustments as market conditions or personal circumstances change, to help keep strategies on track with your objectives.
Business Solutions
A business is often a client’s most valuable asset. We provide financial guidance that helps business owners connect their company’s success with their personal financial goals. Our services include cash flow analysis, long-term forecasting, and capital structure advice. We also assist with retirement plan design (401(k), SEP, SIMPLE), and offer insights on succession and exit planning..
Our role is to act as a financial partner and provide advice so you can make informed decisions around growth and strategy. While we do not provide tax or legal services, we can work closely with your CPA and attorney to ensure your business and personal finances are aligned
Exchange-Traded Funds (ETFs) are investment funds that trade on stock exchanges, similar to individual stocks. Investing in ETFs involves risks, including the possible loss of principal. ETFs may not perfectly track the index they are designed to follow, and their performance can be affected by market volatility, liquidity, and management fees. Broad diversification through ETFs or other investment vehicles does not ensure a profit or protect against losses in declining markets. Investors should carefully consider the investment objectives, risks, and expenses of an ETF before investing.
Tax-aware investment strategies, such as tax-loss harvesting, asset location, or other tax-efficient techniques, are not suitable for all investors and may not achieve their intended results. Tax-loss harvesting involves certain risks including unintended tax implications. Investors should consult with their tax advisors and refer to the Internal Revenue Service (IRS) website at www.irs.gov about the consequences of tax-loss harvesting.