Financial Planning
Goals and concerns are prioritized.
Risk tolerance is assessed.
A snapshot of current financial position and behavior is documented.
A forecast is made to assess the match between your current position and behavior and stated goals.
For more info, go to our Financial Planning page.

Investment Management
Current asset allocation is reviewed in light of the client’s risk tolerance. Current investments are assessed for performance, risk and diversification.
If appropriate, asset allocation changes are suggested.
Quarterly reports and yearly re-balancing is offered.

Investment management is done on a non-discretionary basis. No load, commission free mutual funds are recommended. Clients are free to choose their own broker and/or investment house. Current equity positions are analyzed for diversification and risk tolerance.
For more info, go to our Investment Management page.

Estate and Tax Strategies
Existing tax and estate documents are reviewed.
Where appropriate, tax-planning strategies are suggested.
Where appropriate, estate documents such as wills, trusts, and health care proxies are suggested to match client goals and minimize estate taxes.

Only estate and tax planning services are offered. We do not practice law, draft legal documents or prepare income taxes. Please review all planning suggestions with your accountant and/or attorney.

Medicaid Planning
Planning options for elder care are reviewed.
Implementation services are available.
Where appropriate, specialist consultations are recommended.

Retirement Planning
Current retirement plan is reviewed.
Projections are made to determine if client will outlive assets. (Monte Carlo Sensitivity Analysis.)
Where appropriate, portfolio changes are recommended.
Where appropriate, required qualified distributions are reviewed.

Specific Goal Planning
Education Planning.
Divorce Planning.
Lifestyle change Planning.
Relocation Planning.
Small Business Planning.