We believe that your wealth and life should be in balance. No matter what stage of life you are in, you are impacted by these eight financial categories. We will work with you to address issues and identify opportunities to track and grow your progress toward better wealth life balance.
"Money isn't the most important thing in the world, but it affects what is." – Marty Kurtz
Asset & Debt Management
Our society glorifies income and flashy spending, but this does not equal financial wealth. Spending beyond one’s means is one of the many traps in our lives that can slow or destroy financial growth. In order to make a plan to go somewhere, you first know where you truly are and the same is true for our finances.
Cash Flow & Income Management
No matter who you are in this world, one thing is for certain that from cradle to grave you’ll need cash flow. Managing your cash flow is the most critical element of your financial life that you will need a handle on. For this reason, the first steps of our journey with new clients commonly includes an exploration of this discipline.
Individual investors often do not make prudent long-term investment decisions and underperform against an index or unmanaged bundle of investments. The difference, known as the “behavior gap,” may be explained by investors chasing after hot investment categories or fleeing from perceived danger. The key to managing behavior is to have a process for making decisions.
Asset Protection & Preservation
Your assets represent the sum of your life’s work and sacrifices. There are many unexpected events in life that can derail or destroy your financial future, such as death, disability, liability lawsuits and long term care. Many Americans are unaware of the appropriate solutions to protect assets from these risks.
Sadly many Americans die without a will in place. Caught up in the joy of life, it is difficult to sit down and think about what will happen to your assets when you die. It is a critical part of your plan to make sure that loved ones are taken care of and not left with a mess and potentially costly mistakes.
Two of your most valuable resources are your time and money. Yet giving them to other people is typically an afterthought and done fairly scattered and ad hoc when one is moved. Everyone can be a philanthropist with a strategic plan to give time and money wisely and use tax strategies efficiently to have the greatest impact on the world.
With the current tax system constantly changing and increasing in complexity, clients realize the critical role that income tax planning plays in their overall financial plan. Meaningful tax planning can preserve a considerable amount of wealth, but requires paying attention across all aspects of your financial scope.
Accumulation & Retirement Planning
With strong cultural undertones in life to “live for today,” it is easy to put off a financial plan for the future. Unfortunately, most people’s perception of what they will need is far less than their actual need. Even if the need is known, it is difficult to keep up with all of the types of financial instruments and tax efficient strategies to get there.
“Make everything as simple as possible, but not simpler.” – Albert Einstein
We listen and keep an open mind
We build powerful relationships by working towards common goals
We work directly for our clients and put client’s interests first
We make decisions with future generations in mind
We hold ourselves accountable for pursuing the highest standards
We learn and teach continuously