Services

Taxes play a significant role in your overall financial picture, and effective tax planning can lead to substantial savings and enhanced financial outcomes. We have a deep understanding of the ever-changing tax laws and regulations, allowing us to identify opportunities and implement strategies to manage your tax liability. Our team can analyze your financial situation, income sources, and investment portfolio to develop a comprehensive tax plan tailored to your specific needs. We consider various tax-saving strategies, such as managing deductions, utilizing tax-efficient investment vehicles, and implementing effective retirement account strategies.

Our tax planning services also include:

• Tax SWOT Analysis (Strengths, Weaknesses, Opportunities, Threats)
  
• RMD Management and Charitable Giving
  
• Planning for a tax free retirement. Is it possible for you?
  
• Tax Return Preparation (for a separate fee through our tax prep entity)

As your financial advisor, we manage money based on your specific needs, desires, and risk tolerance. Being independent means that we are free to follow industry-leading research, use innovative financial products, and never serve any corporate interest. There is no silver bullet or one-size-fits-all investment; we recommend practical strategies individualized for each client. By acting in your best interest, we hope to foster a trusted partnership and implement an investment strategy that satisfies every unique client.

Our investment services also include education and support regarding:

• Stocks, bonds, annuities, mutual funds, ETF’s
  
• IRAs, Rollovers, Inheritance
  
• Asset Allocation & Risk Management

Planning for retirement is a complex and critical process that requires careful consideration of various factors. We possess the knowledge and experience to help you navigate through this journey and make informed decisions. We understand the intricacies of retirement income sources, such as Social Security, pensions, and personal savings, and how to optimize them to meet your financial needs. By working closely with you, we can develop a customized retirement income strategy that aligns with your goals, risk tolerance, and desired lifestyle. We will also continuously monitor and adjust your plan as needed, allowing you to focus on enjoying your golden years while we take care of the financial intricacies.

Our retirement income planning services also include:

• Social Security Planning
  
• Retirement Needs Analysis
  
• Withdrawal Planning
  
• Retirement Tax Planning

We believe in transparency when it comes to our compensation. We want you to have a clear understanding of all costs involved, without any surprises. As independent financial planners, we offer a diverse range of products and services; the compensation will be different depending on the services delivered.

For managed investment portfolios and ongoing advisory services, our compensation is structured as a tiered annual percentage based on the assets under management. This aligns our interests with yours, as our fees are directly tied to the performance and growth of your investments. This annual fee typically begins at 1.0 percent and tiers down above $500,000.

For smaller accounts, typically under $50,000, and services related to insurance, we earn commissions that are either paid by the insurer -or- as a small up-front percentage from your investment.

Our goal is to ensure that you feel costs are fair and commensurate with the value you receive. We want to build a long-lasting relationship based on trust and mutual understanding. There are no unexplained or unexpected fees when you work with us.