What We Do
Comprehensive Financial Planning
Optimize Income
We help our clients fully understand their cash flow needs both before and after retirement, and create plans to set them up for long term financial success.
Reduce Taxes
Everyone should pay what they owe in tax to their federal and local authorities. But there’s no reason to leave a tip. We help our clients create tax plans that minimize what they owe as much as legally possible.
Invest Prudently
We employ a consistent investment philosophy rooted in data and empirical evidence to help our clients reach optimal long term investment outcomes.
How We Do It
We use a consistent financial planning process called Confidence In Advanced Planning to guide our clients toward the best financial destination for them. This process helps uncover what our clients want and need from their life to be happy and content, and evaluates the entirety of their financial picture:
Ever wonder how large your rainy day fund should be? What about how and when should you be paying yourself from your business? Or how quarterly estimated tax payments come into play? Our team can help you build a repeatable framework for managing cash in your business (as well as your household) that supports your immediate and longer term needs.
To deliver the best possible investment outcome we employ a consistent philosophy based on empirical evidence and academic research. We do not experiment. We do not invest based on conjecture or gut feeling. We build custom portfolios based on your unique needs and financial plan, and, if appropriate or important to you, we can include socially responsible or sustainably focused strategies as well.
Knowing when you can retire and exactly how much you might need saved can be daunting questions…and they’re not the only challenges. Determining how you’ll obtain healthcare, how and when to draw from your accounts, and how to structure assets within your estate can become a complex exercise. We can help you devise a plan that gives you peace of mind, optimizes your assets, and sets you and your family up for sustained financial success.
Everyone needs to pay their fair share in taxes. But you probably don’t want to leave a tip. Our team can work to help you minimize your tax burden over time. Whether it be via strategic Roth IRA conversions, deferred sales trusts, or harvesting tax losses (or even gains), we can help you optimize your taxes for the long-term. We can help prepare your tax returns too.*
You may have heard that over 80% of businesses never sell — and of the 20% that do, the vast majority sell for less than what the owner thought the business was worth. Our practice is built to help business owners align their business with their personal finances and lifestyle objectives. We can help you prepare to sell your business and confirm that what you keep after taxes will be enough to support your post-transition lifestyle.
Most parents and grandparents want to help their loved ones afford their secondary education without saddling them with an insurmountable debt load. But how much should you be setting aside? Which type of account should you be saving in, and how does it all integrate with the rest of your financial plan? We can help you create an education plan that sets you and your family up for long term success.
401(k) plans, SEP-IRAs, and SIMPLE IRAs are low hanging fruit when it comes to saving for retirement and deferring taxable income. But retirement plans have their nuances and unique responsibilities when you offer one. Our team can help you design and operate a retirement plan that fits your business objectives, helps you and your employees save for the future, and provides substantial tax advantages.
Featured Success Stories
Retirement Planning
Laura and Fred were toward the end of their successful careers. Their three kids were grown, married, and starting families of their own. Laura and Fred were ready for the next phase of their lives, but didn’t know exactly how to turn their retirement savings into consistent income after their stopped working. Plus, they were concerned about Social Security and paying taxes on distributions from their 401k plans. They wanted to travel the world, spend time with their growing family, and help their grandkids save for college costs.
Case studies are based on hypothetical situations, not on actual client interactions. The outcomes presented are not a promise or guarantee of similar results as actual client experiences will be unique to each clients' circumstances, as well as their own motivations, effort and discipline.
Optimizing Cash Flow
Jason's garden products company was successful by most any measure. Revenues and profits were growing, and even though he was reinvesting into new products & expansion initiatives, cash was still accumulating in his business accounts. So why did Jason feel like he was living paycheck to paycheck? He had very little cash in his household bank accounts, felt behind on his retirement and college savings, and even carried a balance on his credit cards. Jason had plenty of cash sitting in the business and was comfortable paying himself more. He needed a plan for taking it out in a tax conscious manner.
Case studies are based on hypothetical situations, not on actual client interactions. The outcomes presented are not a promise or guarantee of similar results as actual client experiences will be unique to each clients' circumstances, as well as their own motivations, effort and discipline.
Minimizing Taxes in Retirement
Ray was a partner in a successful real estate firm and was approaching the retirement date specified in his buy/sell agreement. Ray was confident he had plenty of resources to fund a comfortable retirement, but he was very concerned about taxation. He’d accumulated substantial savings in the company 401(k) plan and would trigger income streams from deferred compensation and deferred sales payments once he left. Ray and his wife Charlotte needed help reducing the tax bite, both now and in the future.
Case studies are based on hypothetical situations, not on actual client interactions. The outcomes presented are not a promise or guarantee of similar results as actual client experiences will be unique to each clients' circumstances, as well as their own motivations, effort and discipline.
From Burning Out to Chilling Out
Amanda had built her successful veterinary practice from the ground up. It was hard, but she grew the practice to a staff of eight with enough cash flow to afford a very nice lifestyle. But the years had worn on Amanda. Stressors from the business started to layer on top of one another, and she soon realized she was losing the passion she had when she started the business two decades before. As the stress began to impact her health, she knew she needed a change, but didn’t know where to start.
Case studies are based on hypothetical situations, not on actual client interactions. The outcomes presented are not a promise or guarantee of similar results as actual client experiences will be unique to each clients' circumstances, as well as their own motivations, effort and discipline.Complimentary Download
The 5 Step Retirement Income Plan
Retirement transitions are daunting for just about everyone.
Download The 5 Step Retirement Income Plan to learn how to navigate yours with confidence.
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