Solutions for You

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Solving Your Puzzle

Your personal financial plan will vary depending on your circumstances, goals, objectives, and tolerance for risk. We will bring all the pieces of your financial puzzle together with a comprehensive plan that may include any of the following strategies:

Retirement Planning

You need to plan accordingly to live the lifestyle you desire in retirement. Your retirement planning may involve multiple sources of funding, including employer-sponsored plans, investment income, passive income, IRAs or similar accounts, and your own savings and investments.

64%: The percentage of Americans who aren't prepared for retirement, according to Yahoo Finance (2019). We can help you feel confident in your planning.

$987,000: The average cost of retirement, according to USA Today (2020)

78.7 Years: The average life expectancy in the United States, according to the CDC (2021). We can help you plan for a retirement that may last several years.

Tax Management

Tax Management

Taxes are one of those unpleasant tasks — like cleaning the gutters — that nobody likes to think about.

We can work with you to help find ways to reduce your tax burden. We can use techniques like asset allocation, investment strategies, and tax-benefitted investment options that may help make paying taxes a little easier.

Estate Planning

We will address your estate planning needs to help prepare for the next generation. While many people choose to put off thinking about the future, estate planning can help solve a number of concerns:

Honor Your Wishes

Estate planning can ensure that your wishes are respected and honored.

Reduce Taxes

Good estate planning may be able to help reduce inheritance taxes for your heirs.

Manage Debt

A comprehensive estate plan can help reduce debts against the estate, allowing your heirs to keep more of your wealth.

Charitable Benefits

Proper estate planning can help solidify family values in regards to your charitable or philanthropic desires.

Education Funding

Education Funding

We can help you find ways to fund education for your children and grandchildren. We’ll guide you to a clear understanding of the tax implications and the education savings incentives and options that are available to you.

According to Northeastern University (2020), college graduates can expect to earn about $750,000 more over their lifetime than non-graduates. Investing in their future can pay off.

Risk Management

You want to protect your years of hard work. Your assets may be subject to loss from natural disasters, a financial downturn, or other unexpected events. Proper risk management can help you avoid, mitigate, or insure against potential losses.

Step 1: Identify the Risk

The first step in risk management is to identify your potential risks. Once we understand the risks you may face, we can take steps to help manage them.

Step 2: Mitigate the Risk

We can help you assess your strategy and consider insurance or other strategies to help recover from potential losses.

Risk management is about more than insurance. We also aim to prevent a loss from occurring in the first place. Prudent financial management can help us identify risks and adjust your strategy to provide for a more secure future.

Asset Allocation

Asset Allocation

While your ideal mix of investments should be dependent on your financial circumstances and goals, it will also depend on you. Our goal is to allocate your assets and diversify your investments to help you potentially maximize your gains while staying within your risk comfort zone.

Let Our Family Help Yours

Whether you need guidance with planning or protecting your financial future, we can help you find your best way forward.