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Financial Planning Services

When can I retire? Do I have enough to retire? What do I need to consider when selling my business? My loved one recently passed, now what? Am I putting my assets in the right places?

These are the questions we hear most often from our clients. We take our role in helping you to navigate these life transitions very seriously. There are many factors to consider when seeking financial planning services for these and other major life events — your retirement lifestyle goals, legacy planning, estate planning, saving for education and weddings, adequate insurance, asset preservation, inheritances and more.

Our financial planning services are focused on helping you reach your financial goals while accounting for risk tolerance and providing adequate retirement income. How do we do it?

Our first step in developing your financial plan is to learn all we can about you. We then present an investment roadmap with your retirement goals and lifestyle needs, while factoring in your assets and liabilities. We want to help you achieve financial freedom to enjoy all the things you’re most passionate about: traveling, pursuing entrepreneurial endeavors, leaving a legacy for children and grandchildren, fulfilling philanthropic aspirations or spending time with family and friends. From here, it’s our responsibility to identify and allocate your investments to help you attain these personal goals.

Investment Management

Once we’ve established your goals, it’s our job to make sure each investment account within your portfolio is properly allocated and managed with optimal diversification and risk mitigation. Decisions around asset allocation are the most important factors affecting total portfolio volatility, providing over 90% of the factor in a portfolio’s volatility*. We manage risk, not returns. We take the appropriate amount of risk in your portfolio to satisfy income strategies and achieve your financial objectives in the long-term.

We approach risk assessment through a four-step investment process that involves goal planning and monitoring; asset allocation; risk tolerance; and ongoing consulting. Our institutional approach to investment management focuses on achieving financial goals by removing emotion from investing and encouraging our clients to withstand short-term market volatility. This approach is proven to outperform emotional investing**.

In addition to proper asset allocation, asset location is an extremely important aspect of your financial plan. Where are the best places to allocate your assets? It requires a deep understanding of your overall financial goals to understand and achieve optimal asset location. We have the expertise to guide you.

We also help guide the decision making of corporate executives whose personal finances can be as complicated as their businesses’. We make sure their financial goals are aligned with their long-term estate planning goals. And, our clients trust our guidance with business decisions, whether they require support to structure a 10b5-1 plan or need to understand their options with regard to equity compensation.

*Source: Brinson, Beebower & Associates, “Determinants of Portfolio Return,” 1986, updated 1991 and 1995. “Does Asset Allocation Policy Explain 40, 90 or 100% of Performance?” Ibbotson and Kaplan, Financial Analysts Journal, Jan/Feb 2000. “The Equal Importance of Asset Allocation and Active Management,” Xiong, Ibbotson, Idzorek and Chen, Financial Analysts Journal, February 2010. Asset allocation does not ensure a profit or protect against a loss. All investments are subject to risk. There is no assurance that any investment strategy will be successful.

**There is no assurance that past trends will continue into the future. Past performance does not guarantee future results.

401(k) and Other Qualified Retirement Plans

As a business owner, you want your employees to feel taken care of and we make sure that happens. We act as the quarterback for our clients who offer 401(k) plans and other qualified retirement plans to their employees. In the highly-regulated industry, it’s easy for business owners to misstep. Our clients trust our financial planning services to ensure they provide adequate benefits that meet the needs of employees as directed under ERISA (Employee Retirement Income Security Act). We also partner with other financial firms to offer 3(21) and 3(38) services to mitigate the fiduciary risk associated with 401(k) plans.

We support our clients’ investments in their own employees by providing general financial guidance to employees. We assist in the enrollment process and ensure employees understand their options with regard to retirement planning. In turn, we enable our clients to control the expenses of managing a workforce, reduce long-term healthcare costs and reduce liability and risk under ERISA.


When you establish an endowment, it’s equally important both to ensure the endowment business is meeting its fiduciary investment obligations and to ensure the vision for the endowment continues forward despite future personnel changes.

We help our clients establish and manage endowments by developing an investment policy statement to guide all future decision-making processes on behalf of the endowment. Together we determine which investment approach is right for your organization and how the funds can serve as a life source and as a legacy for the entity.