Financial Planning is at the very core of the comprehensive investment management services we offer to individuals and families seeking to build, protect and manage their wealth. We create personalized cash flow models to incorporate your current net worth, short term goals and your long-term needs. Accumulating wealth involves dedication and a disciplined approach to savings and investing. Our team can help you create a retirement income plan with the goal of providing a sustainable, predictable, tax-efficient stream of income based on your age, values, and vision for retirement.

Building wealth allows for opportunities to invest- this may include purchasing your first home, upgrading to a forever home, or buying your dream vacation home.  The process of buying can be overwhelming and time consuming. We work with mortgage brokers who can assist in purchasing and refinance a property.

Insurance is an important part of planning for protecting you and your family. It is often overwhelming to think about death; insurance planning is an important part of your long-term financial wellbeing. We assess your insurance needs and introduce professionals who can help protect your family and business for years to come.

One of the greatest gifts are your children. The ability to save towards their education and allowing them the freedom to choose a school based on fit rather than cost can be an important part of your overall financial goals. Saving for your children’s education provides flexibility and  reflief from financial pressures close to retirement.

Estate Planning is another key component of planning. We review estate planning documents with you on an ongoing basis to ensure your plan reflects your goals. We work closely with estate planning attorneys to ensure the plan put in place is implemented. Effective estate planning can help you while you’re very much alive and well; protecting your assets now, and providing income while you’re healthy and enjoying retirement. Through estate planning tools like life insurance and charitable trusts, we help you provide for your own needs while ensuring that the bulk of your assets are distributed according to your values and wishes. We give  piece of mind to families.

Minimizing tax liabilities and maximizing wealth requires more than an understanding of complex and ever-changing tax laws. Our advisors complement their knowledge and judgment with the full depth and range of our wealth management and investment management experience.

We coordinate income tax planning with investment strategies and analyze alternative tax reduction opportunities. Multi-year analyses of prior returns and a holistic view of income, assets and investments inform our approach to current tax challenges and tax planning for retirement.

Many families focus on today and accumulating wealth for retirement. Planning for the later years of retirement can be a difficult topic to discuss and even think about. Helping parents, or seeing aging friends often triggers worries. Understanding options available today and in the future helps you stay independent and in control.