Will Your Money Outlive You? Or Will You Outlive Your Money?
 We will help you confidently answer the above question and many more including:
- Should you roll over a 401(k) to a IRA?
- How much do you need to save for retirement?
- How can a retiree maximize after-tax income?
- How much money should you start to withdraw when you retire?
What we offer
We provide unbiased, objective investment consulting on a fee-only basis. This ensures our interests are always aligned with yours. Our services include:
- Investment management
- Cash flow management
- Tax optimization, planning & return preparation
- Portfolio withdrawal management for income needs when in retirement
We also assist with estate planning and insurance working with other select financial professionals. We don’t sell financial products or receive sales commissions. You pay only for our guidance, expertise, and ongoing wealth management services.
How we work
Our work is based on the individual relationship we have with each client. Just as no two people are the same, neither are the solutions we recommend. Each investment portfolio we develop is customized to the client’s specific needs.
Our working relationship begins with us getting to know you, your tolerance for risk, and your time horizon. This helps us develop a strategy that fits your overall financial situation and goals. An Investment Policy Statement is created to serve as the foundation for the development and management of an investment portfolio. Periodic reviews are conducted to assess the need for adjustment based on market conditions or changes to your personal and financial situation.
How we invest
For the equity portion of a portfolio, we emphasize long term growth while maintaining appropriate diversification between large-, middle-, and small-capitalization equities. International equities and specific industry sectors may also be included. In situations where clients have current income requirements, a portion of the portfolio is allocated to fixed income investments. Fixed income securities are carefully selected over short to intermediate time frames to manage the risk associated with fluctuating market interest rates. This strategy provides a steady stream of income and sufficient liquidity.
Are you ready to feel confident about the road to retirement? Contact us today for a complimentary consultation.
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