Services for Individuals

Creating Financial Freedom

  • An older man walking across a crosswalk labeled with the word 'RETIREMENT'. His shadow is visible on the pavement.

    Retirement

    We help you determine your retirement needs, analyze your assets and income sources, identify potential shortfalls, and create a tailored savings strategy that fits your financial situation and risk tolerance.

  • Group of diverse young students walking outside on a college campus, smiling and talking, carrying notebooks and water bottles.

    College

    We help you estimate the funds needed for college, review your assets, identify potential shortfalls, explore strategies to address them, and create a tailored savings plan that fits your financial situation and risk tolerance.

  • Stack of U.S. dollar bills with a note labeled 'Emergency Fund,' secured by a green binder clip.

    Emergencies

    Ensure your family is covered by reviewing your emergency fund, life, disability, health, home, and auto insurance. We also help update your will and powers of attorney to manage your affairs in the event you become incapacitated.

  • A white piggy bank, wooden dollar sign decorations, a black marker, and a white sheet of paper with 'Financial Goals' written on it.

    Goals

    Achieve your investment goals by identifying the steps needed to maximize your investment returns as well as the steps needed to help minimize your risk while building increased predictability of your investment returns.

  • Hand holding a magnifying glass over a newspaper page with the word 'legacy' in focus.

    Legacy

    You can minimize taxes, probate costs, and professional fees while maintaining control of your affairs. We help ensure that your assets are transferred to your heirs according to your wishes.

Elder Care

As loved ones age, managing day-to-day finances and business matters can become challenging. Our professional elder care services provide trustworthy, knowledgeable assistance with tasks like paying bills, balancing accounts, and handling important documents.

We work as part of your family’s team, keeping you informed every step of the way and ensuring your loved one’s needs are met with care, honesty, and respect.

    • Household bill review, budgeting, and record keeping

    • Assistance with check writing and account balancing

    • Ensuring income is properly received and deposited

    • Guidance on household issues and unexpected situations

    • Managing day-to-day financial transactions and expenses

    • Retirement distribution planning and protection

    • Organizing and reviewing financial, legal, and personal documents

    • Preparing inventories of assets and investments

    • Retirement income and cash-flow planning

    • Support with Social Security, pensions, Medicare, and insurance questions

    • Monitoring investments alongside your advisor

    • Preparing and filing income, trust, gift, and estate taxes

    • Referrals to trusted local services and agencies

    • Arranging appropriate care, transportation, and caregiver support

An elderly woman with white hair and glasses sitting on a gray armchair, working on a laptop in a room with bookshelves in the background.

Planning for the future is important, and elder care services are crucial to help your elderly family members maintain their independence and financial freedom.

Estate Planning

  • Estate planning on your own can be complicated and costly. And the list is endless... state taxes, bureaucracy, probate courts, unfair appraisals, health care concerns, eligibility of heirs, life insurance, IRA's, 401K's, annuities, burial or cremation costs, and intent regarding death-postponing treatment to name a few. Not knowing your legal and financial rights often ends up costing you more in the end.

  • Thoughts of estate planning often bring more questions than answers: Could an heir be too young to inherit? Should the inheritance be given at a certain age? Is the intended beneficiary in a shaky marriage with divorce as a possibility? Are there children from a previous marriage? Should inheritance be protected from potential creditors of the heir? Are there taxes that can be avoided? Are you able to avoid the probate court rules, delays, and costs?

  • Planning what happens to your estate when you're gone can seem frustrating and intimidating without qualified help.

    You may feel that you're too young to care about estate planning. Or, perhaps the reminder of death makes you uncomfortable. You might be tempted to put the whole thing off, assuming that it will just take care of itself. In all cases, estate planning ends up saving your family lots of time, heartache and money.

    And we can help.

  • Every estate planning situation is different. In order to help you, we want to know you, your unique situation, and the nature of your relationships. We offer discussion, recommendations and useful research tools to make your planning simple, efficient, and worry-free. We are available throughout the process for further discussion regarding questions, change of circumstances, and alternatives. At every step, we'll be there with you.

Happy elderly couple consulting with a financial advisor at a table.

    • Clarifying your estate planning goals

    • Building and coordinating your team of legal, tax, and financial experts

    • Reviewing and recommending planning options

    • Preparing and organizing key documents (wills, trusts, powers of attorney, healthcare directives)

    • Reducing probate issues and taxes

    • Planning for incapacity and long-term management of your estate

    • Ensuring assets are transferred to heirs as you intend

    • Managing estate liquidation for taxes and expenses

    • Updating your plan as needed

    • Assistance with living wills, trusts, family wealth transfers, business entities, charitable giving, and estate/tax concerns

The hassles and red tape associated with estate planning can be daunting, but you don't need to do it alone.

Our team is waiting to assist you through every step of the process.