Financial Planning

We help you identify your goals, find the best road(s) to take, provide you with the best tools and resources, and estimate how long it will take to reach your goal. We offer a variety of different platforms to meet your needs. All financial planning services are offered for a flat fee.

Comprehensive Planning includes the following reports:

• Net Worth
• Balance Sheet
• Cash Flow Management
• Retirement Planning
• Debt Management
• Estate Planning Overview
• Investment Portfolio Review and Analysis
• Personal Risk Management: life, disability, and income protection planning
• Tax Planning
• College/Higher Education Planning
• Employee Benefits Analysis

• Cash Flow & Budgeting
• Insurance & Employee Benefits Review
• Investment Nuts & Bolts
• Credit Report Review

Flat Annual Retainer

Hourly Rate Services

Asset Management Services

Our investment philosophy is based on a “top-down” approach. We evaluate the current, near-term, and long-term macroeconomic environment, both domestically and globally, to identify emerging trends and the best industries and sectors to invest in. Portfolio construction begins after we know your goals, time horizon, and risk tolerance.  We use an innovative risk management tool that helps us build your portfolio, customized to your needs.

• Socially Responsible/Impact Investing
• Asset Allocation Recommendations
• Investment Policy Statement
• Passive/Index Investing
• Active Management
• Stocks, Bonds, ETFs (exchange traded funds), and Mutual Funds

Insurance Services

Just about everyone has some type of insurance—whether it’s life, long term care, disability, or coverage for your home and/or auto. The role of insurance is to provide protection against certain types of risk and is fundamental to the financial planning process. We will not only evaluate your current coverage(s), but can make recommendations to improve your coverage(s) if needed.

• Life: Term, Whole and Universal
• Disability
• Long Term Care
• Annuities: Immediate Income, Fixed, and Variable

Retirement Planning

Making the transition from working to retirement requires not only a shift in lifestyle but also a change in how your assets are managed. Longer life spans translate into building an income plan that will last 25 to 30 years or more. And due to the lack of employer-provided pensions, the responsibility for retirement planning rests squarely on the shoulders of individuals. Whether you’re getting started or are close to retirement, we can help build a plan to meets your needs.

• Pre- and post-retirement planning
• 401(k), IRA, and Roth IRA review and offerings
• Social Security filing strategies
• Retirement “bucket” income planning
• Post-retirement health care costs planning

Nonprofit and Foundation Services

Many people are passionate about creating a better world. We know this work is not always easy. Volunteers and staff have to wear multiple hats—to focus on programs and projects, and to be fiscally responsible. We partner with nonprofits and foundations, using a holistic approach to financial services that is driven by mission and goals. Through engagement with staff and board members, we provide a number of services supporting the nonprofit sector, individual charities, and foundations. These services include:

• Financial wellness assessment
• Finance committee planning
• Developing an Investment Policy Statement (ISP)
• Access to Sustainable and Responsible Investment (SRI) strategies
• Reporting on and monitoring of financial objectives
• Legacy planning