Experience the Difference

Strategic:  Financial decisions are interconnected and cannot be made without examining each move’s full effect on the client’s overall plan.  From the strategic planning that goes into our dynamic, real-time Wealth Plans; to the strategic, tactical, proactive investment management process that we utilize; we are setting the standards by which wealth management firms will be judged in the future. 

Wealth:  We define true wealth as all that money can’t buy and death can’t take away.  Our goal is to help our clients find true wealth by uncovering what is truly important in their lives while providing them with peace of mind so that they can pursue it.

Partners:  Our clients are our partners.  As a fee-only investment advisory firm, we have a fiduciary responsibility to always act in the best interests of our clients, putting us on the same team as our clients.  We have a vested interest in protecting and growing the net worth of our clients, while managing risk on a daily basis.  By operating in a completely transparent, conflict-free manner, we enable our clients to prosper while achieving peace of mind.
Calculators

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

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Newsletters

Deciding When to Begin

Waiting until full retirement age (or up to age 70) to claim Social Security may result in significantly higher monthly benefits. At age 62, the earliest age to claim Social Security, the amount received could be only 70% of the benefit received at "full retirement age" (which ranges from age 65 to 67 depending on year of birth).

Never Retire? Don't Count on It

In a recent survey, just 40% of wealthy individuals indicated they are totally confident they will have enough money for retirement. The other 60% said they will shun traditional retirement and work as long as possible. However, it could be dangerous to believe that a retirement income shortfall can be overcome by working past the traditional retirement age.

HOT TOPIC: The Federal Estate Tax Is Back and May Be Here to Stay

The estate tax has been reinstated after being allowed to lapse in 2010. The new estate tax provisions are the most generous in decades — but they are temporary. A far more stringent estate tax is slated to take effect after 2012. Fortunately, a properly structured trust may help some families reduce their potential exposure to the estate tax.

To Roll or Not to Roll: It's Your Choice

Some employers are encouraging departing employees to leave their retirement savings in their employer plans. But employees should make any decisions based on their own needs and concerns, not the former employer's. Read about the pros and cons of rolling over retirement plan assets to an IRA.

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