Our Services

Making the simple complicated is commonplace. Making the complicated simple, awesomely simple, that’s creativity. 
                                            – Charles Mingus, jazz musician and composer
 

We help you find realistic planning solutions to your complex financial and personal needs.  We are creators of The Lifetime Independence BuilderSM(LIB), an organized, comprehensive approach to managing wealth.  Whether you are facing retirement and are worried about outliving your income, concerned about managing employee stock options, or thinking about your family and the legacies you want to leave behind, we’re here as your partner to encourage you to think creatively about your life and the financial choices available to you.  Together we will help shape the strategies that will chart the course toward realization of your goals.
 
Wealth Management
The Lifetime Independence BuilderSM process is comprised of two primary services:  financial planning and investment management. 

I.  Financial Planning:  In order to align your resources with your life’s goals we must know where you stand today and what your vision is for tomorrow.  We prepare a Financial Blueprint that includes:
  • Your long- and short-term financial goals
  • Balance sheet
  • Detail cash flow schedule
  • Federal/state tax estimates
  • Insurance summary
  • Need analysis in the event of disability
  • Retirement planning
  • Estate plan analysis
  • Survivor need analysis
  • Education/College funding analysis
  • Planning recommendations

Financial planning is an ongoing process that evaluates the opportunities, costs, benefits and tradeoffs associated with the financial and life choices available to you.  Our advisors will build a financial plan designed to address your unique issues, monitor it to track progress toward your goals, and make adjustments to address your changing needs and circumstances.  Click here for a list of common financial planning questions that we address.

 
 
II.  Investment Management:  Having congruity between your investments and your financial objectives will ensure a coordinated plan.  We will review the tax efficiency of your portfolio and implement strategies to control the impact of taxes.

We will partner with you to set investment objectives, develop an investment policy statement, create an asset allocation strategy, evaluate and select money managers, and rebalance the portfolio.

We take the focus away from the day-to-day occurrences in the financial markets and instead focus our investment strategies and performance based on the attainment of your financial goals – both short term and long term.  Through a process we call WealthCare, we take your existing resources/assets and compare them to your established goals to determine a comfort assessment.  The comfort assessment evaluates how much confidence we have in your reaching your goals based on your existing pool of resources.  We then examine whether you could potentially have a surplus or a shortfall in your planning, and determine whether you are taking needless risk or making unnecessary sacrifices. 

We work with you to build and maintain a diverse portfolio of investments. Quarterly reports show performance relative to market indices, along with year-to-date and historical rates of return.
 
 

 
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