Our Team
No needs are more important than your own. We pride ourselves in making your needs and goals, our own. We don't simply work for you. We work with you to understand who you are as an individual and as an investor. Our mission is to help you to define your financial objectives, and then use that knowledge to develop — together — a plan that is tailored to fit your unique needs and preferences, and is in your best interest. We’re proud to offer comprehensive financial planning resources, providing you access to education, advice and consultation.
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What We Do
No matter where you are in life – we’re here for you through every step of your financial journey.
College Saving and Funding Plans
As the price of education continues to rise, affording the cost of college requires a customized plan to meet your funding needs, while balancing other expenses and goals.
Financial Planning
No matter where you are in life – we’re here to help you every step of the way. We have the knowledge and experience to analyze your current financial situation, and provide a personalized plan designed to meet your specific needs.
Retirement Income
Generating income from the retirement savings you have accumulated over your lifetime in an efficient way can often be a complex task.
Community Involvement
We’re proud to support the communities we live and work in. We strive to connect with our communities in a meaningful way, bringing about positive change and helping to provide services and resources to help them thrive.
Events
Check out information on upcoming and past events we’re pleased to offer you, virtually and/or in person, on a variety of topics.
Research & Insights
Access our latest research and insights covering market news, financial planning topics, and more.
Retirement Planning Consideration for Employees of Publicly Traded Companies
Most employers that are publicly traded companies offer employees the ability to buy company stock within their retirement plan. If this happens to be an option within your company 401(k) and you decide to take advantage of it, beware of your distribution options when you decide to retire. Many soon to be retirees make the mistake of rolling over the entire balance of their 401(k) into an IRA before fully understanding the options available to them. This is often done out of ignorance for the rules or lack of working with a qualified financial planner, and the consequences can be costly.
Tax Diversification Matters
The creation and preservation of wealth go hand in hand with reducing ones tax burden. However, avoiding current taxation in hopes of being in a lower tax bracket in retirement may not work out as many expect. The top federal income tax bracket in 2019 is only 37%. You may believe 37% is not low, but it has been much higher in years past. According to the Bradford Tax Institute, the top federal income tax rate was above 60% from 1932 all the way to 1981. Why worry now? The primary driver of future tax increases will be the escalating federal debt, and that figure is ever increasing due to a mismatch in government spending versus revenues.
October Investment Perspectives
We take a closer look at economic activity in China, the potential changes to tax exemptions and what that might mean for munis, and how earnings expectations drive stock prices.
Office Information
Contact us today to discuss how we can put a plan in place designed to help you reach your financial goals.