Advice & Solutions

Your investment strategy is tailored to your individual needs, based on a detailed analysis of your investment objectives, risk tolerance, time horizon, attitudes toward investing, and your current portfolio. Our eight-step screening process helps us select the very best investment managers for you.

To help you reach your financial and personal goals, we develop a comprehensive financial plan that includes cash flows, investments, tax considerations, and risk management (insurance). Our blueprint helps you grow, preserve, protect, and transfer the assets you have accumulated.

Your investment and financial strategies should align with your priorities during your various life stages. That means focusing on wealth accumulation during your younger years, wealth preservation once you are no longer working, and effectively distributing your wealth during retirement and beyond.

Estate taxes can significantly shrink the size of your estate. Proper planning is critical to help minimize estate settlement costs and provide a comfortable living and legacy for your family.

A philanthropic gift or bequest can have a significant and beneficial impact on the lives of others. Using the correct strategies, you can multiply the impact of your donation and potentially receive tax benefits as well.

A solid retirement income strategy can help you estimate the amount of money you may need for retirement, consider your potential retirement income sources, and offer income distribution options in retirement.

There are five factors that can stand in the way of achieving your financial goals: taxes, long-term care expenses, longevity, inflation, and market risk. Your financial plan should help you navigate these risks.

Paying for a child’s college education is an expensive proposition – but not an impossible one. Whether your child (or grandchild) is still in preschool or already in high school, there are a variety of savings programs and financing methods that can help.

You and your key management employees and executives face unique personal, financial, and business planning concerns that can benefit from specific programs geared toward this high-performing, specialized group.

As a business owner, attracting and keeping key employees are critical. An executive compensation plan that includes deferred compensation, supplemen­tal group products, and effective retirement plans can allow you to reward superior performance and provide extra incentive to valued employees.

As your business grows, choosing the right benefits and retirement plans for your staff becomes more complicated. You need to determine which solutions are most appropriate for your business and your ultimate goals – such as rewarding key employees, increasing their savings, and providing incentives for them to stay with your company.

To help your employees save for their future, you may want to consider setting up a retirement plan such as a 401(k), 403(b), IRA, profit-sharing, or defined-benefit (or pension) plan. Each has its own benefits, features, costs, and other nuances, so it is important to choose the plan that is most appropriate for your business.

As a business owner, deciding when and how to transfer your business is one of the most important decisions you will ever make. You need to employ strategies that will help maximize your equity, protect your assets, and transfer your business most efficiently.