Financial Planning

Our advisors are available to work with clients in making major life and financial decisions. We believe in the importance of financial planning, and we provide advice and guidance as requested as part of our wealth management services.

The planning process starts with establishing an Investment Policy Statement (IPS): this outlines a client’s investment objectives and constraints, and also addresses liquidity needs, time horizon, asset allocation, security selection, tax sensitivity, investment preference, etc.

Meet Your Financial Planning Team

RETIREMENT PLANNING: This is the primary goal for many of our clients. We look at it as an integral part of their financial plan and it often drives portfolio management decisions.
SCENARIO TESTING: By modeling different scenarios, we can help clients make life decisions. Retirement age, real estate transactions, anticipated inheritance and spend rate are just a few examples of these, and assumptions such as return, volatility, taxes and inflation can be easily modified.
ESTATE PLANNING: We can work with with clients’ attorneys to ensure that accounts are titled correctly, beneficiary designations are appropriate and trusts are established and funded appropriately.
TAX PLANNING: In addition to managing investments as tax efficiently as possible, for clients who draw from their portfolio, we can manage the distributions from pre-tax and after-tax accounts to help minimize taxable income. Often working collaboratively with client CPAs, we offer tax efficient strategies for managing concentrated positions, inherited assets, low cost basis stocks and employee stock options.
INSURANCE ANALYSIS: We have partnered with dedicated insurance specialists to review existing policies and offer insurance solutions to keep you and your family protected.
CHARITABLE GIVING: We can help clients maximize their charitable giving by coordinating the donation of appreciated stock or Required Minimum Distributions to provide tax benefits alongside their giving.
COLLEGE FUNDING ANALYSIS: There are many questions surrounding college planning, including how much to save, what type of account to use, and whether to incorporate loans.
SOCIAL SECURITY MAXIMIZATION: Determining when to start Social Security is an important piece of retirement income planning, and we are here to help clients analyze their options and make the best choice for them.

Meet Your Financial Planning Team

Jay is a CFP® and enthusiastic hiker.

Financial Planning

Meet Your Financial Planning Team

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