Clients come to us from all walks of life with many different financially related questions. We work with
you and find solutions for you to achieve your many life goals.
Some of our services include:
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Goal Planning [top]
We help you define and set attainable goals for the
near-term and for the future, to build your upside, and protect
your downside. Individual goals might include real estate ownership,
debt reduction, education savings, retirement planning, business
start-up, financial independence, capital preservation and charitable
giving. We help you identify what you want to accomplish this
year and where you want to be 5 years from now.
We provide both a computerized and non-computerized organization system that
requires minimal effort to maintain and are designed to maximize tax savings,
file organization, and monitor cash flow. This system is available to clients
at no extra charge.
Income Tax Management [top]
Tax Planning
Tax planning should be proactive. It is more than finding tax deductible items on your income tax return. We will teach you techniques to reduce your taxes, keeping in mind
that tax savings each year is an easy way to help offset our fee. We conduct
tax-planning sessions during the year to minimize taxes and project results
so there won't be any surprises when your return is filed.
Tax Preparation
We prepare your income tax returns and provide you with
professional advice year round.
Audit Representation
In the event of an audit, we will have a qualified enrolled
agent, CPA or tax attorney handle the audit at no additional
charge.
Tax Review
Upon initial consultation, we will review your previously
filed returns, look for missed deductions and file amended returns
further reducing your tax liability.
Investment Planning and Asset Management[top]
Are your present investments appropriate for your risk tolerance? Tax bracket? How about long term goals? Is your retirement plan - IRA, Keogh, 401K, 403B invested correctly? Are you investing tax efficiently? We can show you how to balance your investments to hedge against extreme economic cycles. We work with your investment horizon to make the appropriate diversified portfolio that can enable you to reduce risk while enhancing your return on your investments. We discuss your investments and help you understand what they are and how they are being used.
We typically use well managed mutual funds, index funds and ETFs. Individualization is key to achieving your goals. We first discuss your goals and requirements and then plan your investments based on your needs. We will show you how a diversified portfolio is used to guard your assets against market downturns. We will design an individualized portfolio to help you reach your financial goals and objectives. We regularly analyze and monitor your investments assuring you that you are getting the full potential of the financial markets. Reviews of your investment portfolio are undertaken with tax consequences always in mind.
Educational Funding [top]
Are you asking yourself how are you going to pay for your child's education? We can provide direction and help you achieve a reasonable goal. Education funding and retirement planning are not mutually exclusive. They should both be considered during the planning process. Education funding is more than funding a 529 plan. There are many methods to save for college. We can help you understand your options. Are you in a position to maximize financial aid or maximize education savings?
Risk Assessment and Asset Protection Planning [top]
Risk is something everyone participates in and we work to minimize it. Your insurance is supposed to protect your assets if an unplanned event occurs. Planning for and having good protection is essential. We educate you to make the right choices regarding life, health, disability, long-term care, automobile, and homeowners insurance. We coordinate this policy coverage with your employee benefits. We will review your insurance needs, current coverage, and deductibles as well as examine policies before you purchase them. Additionally, we will review your policies to make sure you were not sold an inappropriate policy.
Retirement Planning [top]
Are you considering retiring and asking yourself can you afford it? Are you
retired and wondering if you have enough assets to cover your lifestyle? We
work with you and help you understand the lifestyle change going into retirement.
Likewise, for those in retirement, we work with you to find solutions to reduce
your expenses while improving your retirement years.
Estate Planning [top]
We help you think through how you want your loved ones taken care of and your
assets divided, with emphasis on reducing estate taxes and probate costs. As
needed, we provide consulting, advisory and referral services for situations
requiring pertinent legal documents such as wills, durable powers of attorney,
and trusts.
Business Planning [top]
Whether you are looking to start a business, buy a business or are looking
to sell your business, we can help you accomplish your goal.
Employee Benefits Planning [top]
If your business is looking to provide employee benefits, we can provide assistance
and review of your objectives and make suggestions to protect your business
revenues.
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