Wealth Management for Individuals

A successful wealth management strategy is one that provides for you and your family today and preserves enough for future generations.  To pursue this goal, a financial strategy should be personalized.  That's why we work with your attorney, trustee, accountant, and other professionals as necessary to create a customized strategy that considers many of your wealth management needs.

Depending on your stage of life and types of concerns, we will help you find the appropriate solutions to issues like planning for education or retirement, tax planning, protecting your assets and your family, and organizing your estate.

Wealth Accumulation

Portfolio Building - With suitable asset allocation, we can help develop an investment strategy that balances potential risk and return by diversifying your assets across several investment categories.  We'll take into account your risk tolerance, liquidity needs, as well as your short and long-term goals.

College Planning - We can help you choose the right savings and investment vehicles for financing an education.

Retirement Planning - If you are planning for retirement, we can help you evaluate all of your existing retirement plans: pensions, 401(k)s, IRAs, and annuities.  We can also assess the tax consequences of your IRA Rollover and assist in implementing your decision.

Wealth Protection Strategies

Survivorship Protection - We help develop a strategy using life insurance to provide the income your heirs may need to maintain their way of life.

Asset Protection - We can recommend ways that could maximize and protect your hard-earned retirement savings and your independent lifestyle should you or your spouse need long term care.

Disability Income - Often overlooked is the need to protect one's current income stream and future earnings in the event of a disability.  We help tailor a plan that could protect your future earnings from such an event.

Long Term Care Insurance - Help protect your assets from the rising cost of long term care  that can affect your financial future and that of your loved ones.

Wealth Distribution

Trust and Estate Planning - With an appropriate strategy, you can control your assets according to your wishes, as well as minimize taxes and reduce administrative costs of your affairs should you become incapacitated.  You may also be interested in developing charitable or family gifting strategies to pass along your wealth.  Based on your situation, we can recommend techniques for approaching these challenges.