Our Solutions

We offer sound, objective advice for individuals, families, and small and mid-sized business owners. We'll create a plan to help you achieve your specific financial goals.

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Investment and Retirement Income Planning

While you’re working and saving, you’re in what we call the accumulation phase of retirement planning. However, once you’re within five years of your anticipated retirement date, your planning should change. That’s when you want to start thinking about how you’ll spend the money you’ve work so hard to accumulate. This is called the distribution phase and it comes with different concerns than the accumulation phase.

Here are some of the questions we’ll help you address:

  • Will I be able to retire?
  • When should I retire?
  • When should I take Social Security?
  • How much money can I take from my portfolio without running out during retirement?
  • What are the best accounts to take my money from?
  • How much should I set aside for healthcare?
  • Can I afford a second home, and if so, how should I pay for it?


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Tax Planning

When we help you with your investment and retirement income planning, we’ll typically help you answer questions about your financial situation. However, with tax planning, we can help you find the answers to questions you may not have known you had. We’ll work alongside your tax professionals to design a distribution strategy that takes taxes into consideration. In fact, some of the individuals we help are tax professionals. 


Here are some of the tax planning questions we’ll help you address: 

  • What are the consequences of taking money out of my 401(k) plan to pay off my mortgage when I retire?
  • What are the tax consequences of selling my vacation home?
  • Should I do Roth conversions?
  • How much can I give to my child without tax consequences?
  • How can I avoid my state’s inheritance taxes?


Here are some tax facts you may not know which we can help you plan for: 

  • Medicare premiums in retirement are based on income and can go up if your income increases. We’ll show you how in some cases, taking funds from certain accounts and controlling your capital gains in non-retirement accounts can help you avoid the Medicare premium increase.
  • Employer stock in a 401(k) plan may sometimes offer a tax-advantaged option called net unrealized appreciation (NUA). Our team is very familiar with how NUA works and we can help you take advantage of it.
  • Capital gains have different tax rates depending on your household income and the length of time you’ve held the investment. Federal taxes can range from 0% all the way to 37%.


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Strategies for Business Owners

If you’re a business owner, the financial success of your business has an immediate impact on your family’s economic security. You have many retirement savings strategies available to you. Our team will work with your tax professional to help you answer these critical questions: 

  • Should I be a sole proprietorship or an LLC?
  • How much income should I take from my business?
  • How should I take income from my business—as salary or profit distribution?
  • What do I do with the proceeds from the sale of my business when I retire?
  • What kind of retirement plan is best for my business?


Some of the services we can help you with include the following: 

  • Developing cash flow planning that’s coordinated with your personal financial plan
  • Analyzing and setting up your retirement plan
  • Creating financial goals for your business that complement your personal goals