Individuals   |   Families   |   Business Owners

The core of who we are is rooted in loyalty and trust - it is the foundation from which we grow a relationship with our customers. This is what makes us different. From first time investors to those securing stability for their twilight years, we are here to support, educate, and offer insight to every individual that we encounter.

In the dizzying world of stock markets and financial lingo, we often become too fixated on the immediate numbers and lose sight of the bigger picture. We want to understand what truly matters to you and tailor a holistic financial plan that gives you peace of mind today and tomorrow. We care as much about why you are investing as what you are investing in.



Individuals

No matter where you are at in your life, our team is here to provide you with a financial security plan that helps you plan for the future and manage your money effectively. Whether you’re looking to start a family, plan for retirement, or start saving early in life our experienced wealth advisors can help.

  • Saving 
    No matter where you are at in your life, our team is here to provide you with a financial security plan that helps you plan for the future and manage your money effectively. Whether you’re looking to start a family, plan for retirement, or start saving early in life our experienced wealth advisors can help.

  • Tax Planning
    We’ll take the time to understand your personal situation and design a tax plan that works for you. Our team can offer access to variety products and services such including income-splitting, charitable donations, tax-advantaged life insurance, and tax-beneficial investment options to ease your financial burden.

  • Succession Planning
    While it can be a challenging conversation to have, being proactive about succession planning can keep your loved ones from having to guess your wishes. Our process involves two key components: life insurance and preparing a will. Securing life insurance will help to alleviate the financial burden on those caring for you and preparing a written will provides clear guidance to your executors. Start planning today to save your family or friends from unnecessary stress in the future. 
     

Back to Top

 

Families

Starting a family is an exciting time, but it’s smart to start thinking about the future now. Especially as the cost of a college education continues to outpace the rate of inflation, it is essential to start planning early on. Our team can help you create a college savings plan with consideration to risk tolerance, investment preferences and your current tax situation. The sooner you begin, the better prepared you'll be for your child's educational journey.

  • Traditional Savings Methods
    When saving for college, you can opt for more traditional savings methods such as savings accounts, tax-free municipal bonds, U.S. Treasury Securities, or mutual funds. However, if you have a longer window to save, higher risk investments could offer high returns before migrating to lower risk methods.

  • Tax Advantaged Methods
    Certain federal tax laws provide tax advantaged methods to pay for college expenses to incentivize families to start saving early. Since the methods involve different tax rules, they can be somewhat complicated and our team can help you navigate maximizing your tax savings.

  • IRC Sec. 529 Qualified Tuition Plans
    529 Plans are designed to help a family cover the cost of college with a tax-advantaged savings plan sponsored by a state agency or educational institution. While contributions aren't tax-deductible, they grow tax-free, and qualified higher education expenses' distributions aren't taxable.

  • Coverdell Education Savings Plan
    These plans enable college savers to contribute up to $2000 per year on a tax-deductible basis. The distributions from a Coverdell Plan are free from taxes if used to pay for qualified education expenses.

  • U.S. Savings Bonds
    The interest earned from series EE and Series I savings bonds may be excluded from income if it is used to pay for qualified education expenses in the year that the bonds are redeemed. The same exclusion applies to the interest earned from these bonds that are contributed to a 529 qualified tuition program.

  • Financial Aid
    Future eligibility for financial aid is something that should also be considered when planning for the future. Working together, we can examine college investment options to build a customized portfolio that takes into consideration your financial goals, risk tolerance and timeline. 
     

Back to Top

Business Owners

Growing a business is a difficult undertaking today as business owners must confront a myriad of tax laws and regulations while managing their employees, cultivating clients, and maintaining a profit. Our team can ensure you make key planning considerations that help your business grow and prosper while preparing for unexpected events that may affect the bottom line of your business.

  • Retirement
    For many business owners, their business is their primary retirement asset. However, many factors can complicate the eventual sale of your business, which is why it’s important to have a diversified retirement plan. As a business owner you can access several qualified and nonqualified retirement plan options for your retirement income needs.

  • Business Succession
    In the unfortunate event of a business partner passing away, it’s important to have a plan in place. The survival of the business may be in question as it faces short term losses, and complications from the partner's family inheriting an ownership stake. A business succession plan can facilitate a smooth transfer of the deceased partner's interest to the business, addressing these concerns. 
     

Back to Top