Retirement Planning
Preparing for retirement isn’t just about saving—it’s about crafting a strategy that ensures financial security for decades to come. We work closely with you to determine the right time to retire, structure your investments to support future withdrawals, and create a personalized plan that maximizes income while minimizing taxes. From Social Security optimization to safe withdrawal strategies, our goal is to help you retire confidently, knowing your finances are in order and aligned with your lifestyle goals.
Investment Planning
A strong investment strategy is essential for both building and preserving wealth over time. We help you construct a diversified portfolio that matches your risk tolerance, financial objectives, and market conditions, ensuring long-term stability and growth. Whether you’re actively growing your assets or shifting toward income generation for retirement, we tailor investment strategies that align with your evolving financial needs while helping you mitigate market volatility. To ensure security and seamless management, we custody relevant client assets at Schwab, providing access to industry-leading resources and oversight.
Tax Planning
Smart tax planning allows you to keep more of what you earn and reduce unnecessary tax burdens. We evaluate your financial situation and identify tax-efficient strategies, utilizing tax-advantaged accounts, and structuring withdrawals to minimize liabilities. Whether you're planning for retirement, managing investments, or considering charitable giving, we help you navigate complex tax scenarios to ensure your financial strategy remains efficient and forward-thinking.
Estate Planning
Planning for the future is about more than just growing wealth—it’s about ensuring your assets are protected and passed on according to your wishes. While we don’t draft estate plans, we provide education on key estate planning elements, helping you understand trusts, wills, beneficiary designations, and wealth transfer strategies. By clarifying the options available, we empower you to make informed decisions and, when needed, connect you with experienced estate attorneys who can structure a plan tailored to your needs.
Employer Benefit Optimization
Your employer benefits can provide significant financial advantages—if leveraged correctly. We help you navigate the complexities of 401(k) contributions, deferred compensation plans, stock options, health savings accounts (HSAs), and insurance benefits to ensure you maximize every opportunity available. By making informed decisions about these benefits, you can enhance your financial security both now and in retirement, allowing for better long-term financial planning.
Stock Compensation & Equity Planning
Managing employer stock grants, restricted stock units (RSUs), and stock options requires a thoughtful approach to balance taxation, risk management, and wealth-building opportunities. We help you analyze vesting schedules, create diversification strategies, and develop a tax-efficient plan that ensures your equity compensation aligns with your broader financial goals. Our guidance empowers you to make informed decisions that maximize your stock compensation’s long-term benefits.
Debt Management & Cash Flow Planning
Successfully managing debt while maintaining financial flexibility is key to long-term stability. We help you assess your current liabilities, develop strategies for efficient debt repayment, and create a budget that supports both short-term needs and long-term wealth accumulation. Whether you're optimizing cash flow for daily expenses or preparing for future investments, our approach ensures that your financial foundation remains strong and sustainable.
Social Security & Pension Strategies
Deciding when and how to claim Social Security or a pension can significantly impact your retirement income. We analyze your unique financial situation to determine the best claiming strategies, ensuring you maximize lifetime benefits while maintaining tax efficiency. Whether you have a traditional pension, deferred compensation, or other employer-sponsored retirement benefits, our guidance helps you make informed decisions that support a secure and confident retirement.
Healthcare & Insurance Planning
Healthcare costs can be one of the largest expenses in retirement, making proper planning essential. We assist with evaluating health insurance options, navigating Medicare enrollment, and optimizing coverage to ensure financial security throughout your retirement years. Additionally, we can help assess life, disability, and long-term care insurance options, ensuring you have the protection needed to safeguard both your health and financial future.
Charitable Giving & Philanthropy
If giving back is part of your financial legacy, we help you structure tax-efficient charitable giving strategies that align with your values. Whether through direct donations, donor-advised funds, or philanthropic trusts, we ensure your contributions maximize impact while integrating seamlessly into your broader financial plan. By planning strategically, you can support causes you care about while optimizing tax benefits and maintaining financial security.