Comprehensive Financial Planning

To deliver the best possible investment outcome we employ a consistent philosophy based on empirical evidence and academic research.  We do not experiment.  We do not invest based on conjecture or gut feeling.  We build custom portfolios based on your unique needs and financial plan, and, if appropriate or important to you, we can include socially responsible or sustainably focused strategies as well. 

Knowing when you can retire and exactly how much you might need saved can be daunting questions…and they’re not the only challenges.  Determining how you’ll obtain healthcare, how and when to draw from your accounts, and how to structure assets within your estate can become a complex exercise.  We can help you devise a plan that gives you peace of mind, optimizes your assets, and sets you and your family up for sustained financial success.

You may have heard that over 80% of businesses never sell — and of the 20% that do, the vast majority sell for less than what the owner thought the business was worth.  Our practice is built to help business owners align their business with their personal finances and lifestyle objectives.  We can help you prepare to sell your business and confirm that what you keep after taxes will be enough to support your post-transition lifestyle.

Everyone needs to pay their fair share in taxes.  But you probably don’t want to leave a tip.  Our team can work to help you minimize your tax burden over time.  Whether it be via strategic Roth IRA conversions, deferred sales trusts, or harvesting tax losses (or even gains), we can help you optimize your taxes for the long-term.

Ever wonder how large your rainy day fund should be?  What about how and when should you be paying yourself from your business?  Or how quarterly estimated tax payments come into play?  Our team can help you build a repeatable framework for managing cash in your business (as well as your household) that supports your immediate and longer term needs.

401(k) plans, SEP-IRAs, and SIMPLE IRAs are low hanging fruit when it comes to saving for retirement and deferring taxable income.  But retirement plans have their nuances and unique responsibilities when you offer one.  Our team can help you design and operate a retirement plan that fits your business objectives, helps you and your employees save for the future, and provides substantial tax advantages.