Services

Retirement Planning
Helps clients estimate future income needs, optimize savings strategies, and choose tax-advantaged accounts like IRAs or 401(k)s.

Includes Social Security timing, pension analysis, and withdrawal strategies.
Investment Management
Designs and manages diversified portfolios based on risk tolerance, time horizon, and financial goals.

May include rebalancing, tax-loss harvesting, and ESG or values-based investing.
Tax Optimization
Identifies ways to reduce tax liability through strategic asset placement, deductions, and timing.

Coordinates with CPAs or uses tax-efficient vehicles like Roth conversions or municipal bonds.

Education Funding

Plans for college or private school expenses using tools like 529 plans, Coverdell ESAs, or custodial accounts.

Models future costs and integrates scholarships, grants, and financial aid strategies.

Risk Management & Insurance Planning

Evaluates life, disability, long-term care, and property insurance to protect against financial shocks.

Ensures coverage aligns with life stage and asset protection needs.

Estate & Legacy Planning

Structures wills, trusts, and beneficiary designations to ensure smooth wealth transfer.

Coordinates with attorneys to minimize estate taxes and preserve family values across generations.