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Your legacy is much more than your assets. It’s your personal values, your faith, and the memories that will forever carry on. Your estate plan should reflect the legacy you want to leave. We'll help you consider: Dementia, Durable Power of Attorney, Special Needs Trust, Blended Families, Creditor Protection, Medical Power of Attorney, Living Will, Second Marriages, Nontraditional Families and Business Succession Plan.
Does your estate plan, medical power of attorney or trust include the possibility of dementia?
If you’re incapacitated, who should be able to direct your assets without court approval?
If you have a loved one with special needs, how can you pass assets to them without jeopardizing government benefits?
Does your estate plan include your stepchildren?
Are the assets in your estate protected from your beneficiaries’ creditors?
Who can doctors discuss your medical information with?
What will happen if you’re unable to make your own medical decisions?
Do your beneficiaries align with your wishes, including your former spouse or children from prior relationships?
Does your estate plan protect your significant other or other family members?
Understanding the tax consequences related to your investment accounts and assets.
Focusing on opportunities unique to your individual situation and taking advantage of credits and deductions.
Understanding the tax consequences related to your investment accounts and assets.
Maximizing your retirement plan savings under current tax law.
Evaluating business structure to optimize the benefits under current tax law.
Your advisor is here to help you understand how your assets will be distributed under your current estate plan and existing tax laws. We work with our team of estate planning specialists, attorneys, CPAs, and any of your outside professionals to formalize your wishes. We want to minimize your estate’s administrative burden and maximize the value distributed to your loved ones and the organizations you cherish.
We provide you with a wide variety of investment options that align with your goals. We always act in your best interests, which means your goals drive your investments – and not the other way around. We look at financial planning from four angles:
We will help you bring your risk, current financial situation and spending into focus.
Narrowly tailored to identify and address your specific goals and objectives.
In-depth analysis of available Social Security claiming options.
Comprehensive analysis of life, disability, long-term care and other risk management solutions.
Our team identifies risks that could tremendously impair your financial situation. While it’s important to focus on what may go right with your situation, it’s also crucial to consider how you may be negatively impacted without protections in place. Transferring risk to the deeper pockets of an insurance company in a cost-effective manner may be prudent to minimize the financial damage of a catastrophic, unanticipated event. Some of the ways we utilize insurance in the financial planning process include:
Considers income replacement as well as business succession funding and estate planning through a vehicle that may be income tax and estate tax-free, if structured properly.
Protects your income in the event of your inability to work prior to financial freedom.
Provides financial support for activities of daily living in respite care, adult day care, in-home care, assisted living, and nursing home care.
Do you know what your business is worth? Do you have a succession plan in place if something unexpected happens? How will the sale of your business affect your retirement? Our financial planners can help you answer these questions, with a focus on four areas of business financial planning.
Your business is part of your individual financial plan – and a key asset in your life.
Set and track key performance indicators that are essential to the success of your business.
We help you make tax-efficient decisions today rather than when it comes time to file.
Understanding what happens to your business when you’re gone is vital to financial planning.
Wills and trusts are a vital component of estate planning. They are legal instructions of where your assets should go when you’ve passed on. As part of your estate plan, we’ll help you develop a will or trust to fit your needs. One of the most important decisions in this process is who to name as trustee. Even the best-drafted document will fail to meet your goals if the Trustee selected fails to carry out their role properly. You’ve worked hard to pursue your financial goals and your family deserves the counsel of an objective professional.
Wills and trusts are a vital component of estate planning. They are legal instructions of where your assets should go when you’ve passed on. As part of your estate plan, we’ll help you develop a will or trust to fit your needs. One of the most important decisions in this process is who to name as trustee. Even the best-drafted document will fail to meet your goals if the Trustee selected fails to carry out their role properly. You’ve worked hard to pursue your financial goals and your family deserves the counsel of an objective professional.
Your financial advisor can:
1. Review contributions, distributions, and trade activity
2. Place trades on your behalf
3. Consider your long-term goals and risk profile
4. Re-balance your account as needed to ensure you have the correct asset allocation.
5. Incorporate your retirement accounts into a holistic financial plan.
Your advisor will have a bird’s eye view of your financial landscape, allowing them to manage all your assets more effectively–a service that can have a meaningful impact on your golden years.
Wills and trusts are a vital component of estate planning. They are legal instructions of where your assets should go when you’ve passed on. As part of your estate plan, we’ll help you develop a will or trust to fit your needs. One of the most important decisions in this process is who to name as trustee. Even the best-drafted document will fail to meet your goals if the Trustee selected fails to carry out their role properly. You’ve worked hard to pursue your financial goals and your family deserves the counsel of an objective professional.
