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Who We Work With
Retirement Planning
When people work their entire lives and are used to a steady paycheck coming in, it can be a
scary transition when looking towards retirement. Some common questions our clients have
during this process are:
Will my money last?
When should I ideally start collecting Social Security?
How should my investments be allocated?
What's the best way to generate retirement income?
How much risk should I be taking at this stage in the game?
What if I or my spouse has a long-term care event?
What impact will this have on our savings, income, one another, and our kids?
Our job as financial planners is to help our clients work through each and every one of these
issues and come up with a solid, well-thought-out plan that will help provide peace of mind
and security.
Click here to see our recent Kiplinger
article on 10 Key questions to ask when turning 60.
Special Needs Planning
When a family has a child with special needs, the planning they're going to need to do is
often significantly different than it otherwise would be. Depending on the child, the parents
may have to provide for them financially for their entire life. A large part of financial
planning for special needs is calculating how much money the child is going to need, both down
the road (during the parents' retirement) and also once the parents pass away. Integral to
this is understanding what public benefits may be available and doing proper estate planning
so that these benefits are not jeopardized, as many are "means-tested" (the child can't have
more than a certain amount of money in their name, often $2,000). Common questions our clients
face are:
What will my child do when they age out of public schools?
Where will my son or daughter live down the road, especially when we're not around any
longer?
What estate planning do we need to make sure public benefits are preserved?
How much money should we plan on leaving our child, and what is the best way to do this?
These are the types of challenges we frequently help families with. We recognize the idea of
planning for a child with special needs can be overwhelming, but have seen time and time again
the peace of mind families often experience when they have a plan in place.
Many clients we work with have done a decent job of saving, have good paying jobs, and in
general are wise with their money. However, they're often not sure if what they're doing is
"enough" or if it's the MOST optimal. They also don't always have specific goals they're
working towards so need help figuring out and prioritizing what these are. Some common goals
and questions we see are:
Am I saving enough for retirement?
Should I contribute beyond my company's match?
Are there other tax efficient ways I can be saving?
How much should I be saving for the cost of my child's college and what's the best way to
do this?
How much life insurance should I have?
What's the best type of life insurance policy for my situation?
What should we be doing for estate planning?
Every situation is different of course and people have varying goals, concerns,
and dreams. Our job as financial planners is to help our clients truly define what their
objectives are and help create a road map to achieve them, while avoiding possible pitfalls
along the way.
We work with a wide variety of business owners including: general contractors, architects,
attorneys, technology firms, and entrepreneurs of all types. We recognize that business can be
cyclical and therefore the importance of building in flexibility to any plan we recommend. Our
clients are hardworking, successful men and women who value our strategic partnership in
helping them make wise decisions with their money. Whether newer to being self-employed or
decades in, we help with a range of issues including:
Saving for retirement in the most tax optimal way.
How to maximize cash in the business in creative ways.
Life insurance and disability insurance.
Strategies to attract and keep top employees.
Employee benefits.
Buy-sell agreement funding strategies if there is more than one owner.
Strategies to help pay for children's college education.
Whether a one-person operation or part of a larger enterprise, we help business owners
maximize their wealth, while also protecting it and their families.
