focusing on the big picture

---

Simply put no one likes the idea of “budgeting.” Instead, we’ll create a system to track your income, expenses, and net worth. We then can strategize about maximizing cash flow, funding short-, intermediate- and long-term goals as well as efficiently tackling debt repayment.

Insurance is your best way to protect against unforeseen risks. We’ll review current coverage options including: health, life, disability, long-term care, and property and casualty insurance. We then recommend solutions to ensure no gaps exist and that your coverage is right-sized to meet your personal circumstances.

We review and analyze your taxable and tax-advantaged investments across several dimensions to recommend a cost-effective portfolio asset allocation that aligns with your risk tolerance, time horizon for specific objectives, and values. 

We identify tax-advantaged opportunities in such areas as taxable income reduction, tax-loss harvesting, asset location, and Roth conversion strategies. For specific tax advice, we recommend you speak with your accountant or tax preparation professional.

Estate planning is essential to protecting your family. Without an intentional plan in place the laws of your State will decide how your assets are disbursed and the Courts will decide who takes custody of your children. We review the key areas each estate plan should address, as well as often overlooked items that if left unchecked could create unwanted stress for your heirs.

The best laid plans do not stop life from happening. We do not know when they will occur, but we can anticipate major life events and be ready to act if and when they do. We will review topics with you including potential inheritances, caring for aging parents, marriage, children, education planning, career transitions, and early retirement.