Holistic services designed for the investor’s lifecycle…

We provide customized solutions to help our clients achieve their financial goals and objectives throughout the course of their lives.

The above example is a fictional representation intended for illustrative purposes only.

Wealth Accumulation

The wealth accumulation phase involves helping our clients build their investable financial assets. As they approach retirement, we adjust their investment strategy to reflect their changing risk tolerance and financial needs.

Our wealth accumulation solutions include:

  • Proprietary Risk Tolerance Assessment
  • Tax-Optimized Transition of Assets
  • Active / Passive Investment Strategies
  • Growth-Focused Investment Strategies
  • Direct Indexing and Tax-Loss Harvesting
  • Environmental, Social, and Governance (ESG) Investment Options
  • Socially Responsible Investing (SRI) Options

Income Planning and Distribution

During the income planning and distribution phases, we help our clients evaluate their available income sources for retirement and begin to strategize on how to optimize and structure income withdrawals to last a possible 20- or even 30-year-long retirement. It is during the planning and distribution phases where we work to position assets to minimize future income tax liabilities, offset inflation, and place a portion of assets in liquid vehicles to help cover large expenses in retirement.

Our income planning and distribution solutions include:

  • Income-Focused Investment Strategies
  • Social Security Strategies
  • Required Minimum Distributions (RMDs) Planning
  • Retirement Account Rollovers
  • Lifetime Guaranteed Income Vehicles with Growth Opportunities
  • Tax Mitigation Strategies
  • Tax-Free Retirement Income Sources

Legacy Planning

The end-of-life planning phase helps enable our clients to manage their affairs during their lifetime and control the distribution of their wealth after death. This planning phase can include healthcare directives, income replacement solutions, and tax-efficient transfer strategies to beneficiaries.

Our legacy planning solutions include:

  • Life Insurance
  • Long-Term Care Solutions
  • Tax-Efficient Wealth Transfer

Long-Term Care

Chances are you could live well into your 80s, your 90s and possibly even longer.

When you live a long life, the likelihood you’ll need long-term health care is greatly increased. Younger people also need long term care as a result of accidents or illnesses.

Almost 70% of people turning age 65 will need long-term care at some point in their lives1. Many people think the phrase “long-term care” refers to an insurance policy. While insurance may be part of your strategy, long-term care encompasses everything from long-term services and supports and finances, to where you will live and how you will navigate the myriad of legal, family, and social dynamics along the way.
Long-term health care is generally not covered by medical insurance, by Medicare supplement plans or group/employer insurance. For seniors on Medicare, the long-term care benefits can be quite limited.

That is why over 10 million Americans have purchased long-term care insurance1. We offer several LTC solutions including individual plans, asset-based long-term care, and life-insurance-based long-term care. We will work with you to find the best plan for your LTC needs.

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Guarantees are backed by the financial strength and claims paying ability of the issuing company. This information is designed to provide general information on the subjects covered. It is not intended to provide specific legal or tax advice. You are encouraged to consult your personal tax advisor or attorney. This information is not endorsed or approved by the Social Security Office.