Discernment to Seize Opportunity and Recognize Risk
Services We Offer
Our guiding focus is to assist clients in achieving their financial goals. We offer a wide range of services including investment analysis, counsel and management; retirement planning; education funding; income tax planning; and we specialize in real estate investment.
As a fee-only financial planning firm, we work with our clients in one of two ways:
- Straight hourly consultation for financial and investment questions and/or review ($175/hour); or
- Straight annual percentage equaling 0.80 of 1% of invested assets managed (e.g. $200 per quarter per $100,000 of invested assets managed) for assets greater than $750,000, and 1% of average invested assets managed (e.g. $250 per quarter per $100,000 ) for assets less than $ 750,000.
Services at a Glance
Investment Analysis, Planning, Management and Wealth Accumulation
- Determine investment goals
- Determine adequate cash reserves and liquid assets to meet emergencies and short-term needs
- Determine how much you can save and invest
- Select investments that are appropriate based on personal circumstances and risk tolerance
- Diversify investments to reduce certain risks
Real Estate Investment
- Acquisition due diligence and and assistance with disposition
- Assistance with development and project management
- Cash flow/investment analysis and project/portfolio budgeting
Retirement Planning
- 401(k), 403(b) and 457 plans
- Annuities
- IRAs (e.g. Traditional, Roth and Simple)
- Pension plans
- Profit sharing plans
- SEP plans
- Social Security
Risk Management
- Assess risk exposure
- Automobile insurance
- Disability income insurance
- Health insurance
- Homeowners’ insurance
- Liability insurance
- Life insurance
Cash Flow Management
- Determine and list all sources of income
- Determine where your money is going
- Develop a workable budget
- Develop a savings program
- Develop an investment program
Educational Planning
- 529 Plan
- Coverdell Education Savings Account
- Determine needs and assist in selecting appropriate accounts and investments
Estate Planning
- Ensure that your assets are distributed according to your wishes
- Minimize federal and state estate taxes
- Charitable giving
- Gifting
- Living wills
- Powers of attorney
- Titling of assets
- Wills
- Trusts
Income Tax Planning
- Current tax laws
- Deductions
- Deferral of income
- Tax Considerations in Investment Planning