Your goals are unique.
Your financial plan should be too.
Cash Reserves
We understand the importance of both the return on your cash reserves and the timely return of those reserves. In fact, our team’s extensive experience in the banking industry permits us the means to analyze the regulatory filings of your existing bank to better inform your judgment when making decisions about your cash reserves.
That's why we offer a full suite of cash reserve management solutions, ranging from simple bank deposits and certificates of deposit (CDs) all the way to US Treasuries and outright deposits at the US Federal Reserve and more.
You can rest assured that your cash reserves are not only earning a competitive return, but are also easily accessible when you need them.
Tax Planning
We understand that making optimal returns doesn’t mean much if you end up giving most of it away in taxes.
We analyze your tax returns, investments, and other information to see what changes might help you to lower your tax bill today, and to insulate you from potentially costly future tax-law changes. Moreover, we can work hand-in-hand with your existing tax professionals to ensure your needs are being addressed on the same page.
Don’t have a tax professional? We can offer you some recommendations from our professional network.
Income Planning
We understand that a successful financial future begins with a comprehensive and personalized income planning strategy. Our goal is to help you maximize your financial resources, achieve long-term growth, and secure a comfortable retirement.
Student Loan Planning
Effective student loan planning is an essential tool for managing and optimizing your financial future. By creating a tailored repayment strategy, you can reduce the burden of student debt, save on interest costs, and achieve your financial goals more efficiently. Our expert guidance in student loan planning helps you navigate the complexities of loan consolidation, refinancing options, and federal forgiveness programs, ultimately empowering you to take control of your financial destiny and build a solid foundation for future success.
Investment Management
Our comprehensive investment management provides you with a holistic approach to building and safeguarding your wealth. By mitigating downside risk and utilizing long and short positioning across a full range of asset classes – stocks, bonds, currencies, and commodities – we create a well-balanced and resilient portfolio tailored to your unique needs.
Our historically and macro-aware strategies ensure that your investments are informed by global trends and market dynamics. We minimize individual investment risk by allocating to discrete investment managers who are specialists in their respective fields so that you benefit from expert insights and diversified expertise.
Partnering with Charles Schwab Institutional, a leading third-party custodian, we provide a secure, reliable, and transparent platform for managing your investments. Ultimately, our goal is to empower you to achieve your financial objectives with confidence, recognizing that good investing is just a means to accomplishing your life's financial goals.
Legacy Planning
Legacy planning is not just for the ultra-wealthy, but for individuals and families from all walks of life. It goes beyond monetary considerations, addressing sensitive end-of-life concerns, planning for incapacity, and ensuring a smooth transfer of your assets to your loved ones.
Our expert team helps you navigate the complexities of asset titling, weighing the advantages and disadvantages to create a tailored plan that aligns with your goals. We guide you in selecting the right executors and trustees, ensuring your estate is managed with care and professionalism.
We also emphasize the power of charitable giving thru proactive planning which can maximize your philanthropic impact while minimizing taxes. Estate and legacy planning with our firm empowers you to protect your legacy, provide for your loved ones, and make a lasting difference in the world, all while enjoying peace of mind.
Life Planning
Life and disability insurance play a crucial role in your comprehensive financial plan, providing a safety net against catastrophic but rare outcomes to the human condition, such as long-term disability or unexpected passing. These insurance policies protect your loved ones and ensure their financial stability in the face of life's uncertainties.
At our firm, we prioritize trust and transparency above all. As independent advisors, we are not paid by insurance carriers. Instead, our compensation comes directly from you, our client, ensuring unbiased guidance that truly serves your best interests. Our commitment to transparency guarantees that we focus on finding the most suitable insurance solutions to protect your financial future and provide peace of mind for you and your family.
Capital Planning for Businesses
The value of our capital planning team provides comprehensive financial solutions tailored to business owners. Together, they empower your business to grow, optimize cash flow, and navigate the ever-changing financial landscape with confidence.
An investment banking team focuses on helping small businesses raise capital through various avenues, such as equity financing or debt issuance, and provides expert advice on mergers, acquisitions, and other strategic transactions. This team assists in structuring deals to maximize value and support your long-term growth objectives.
The commercial banking team offers a range of essential financial services, including business loans, lines of credit, cash management solutions, and treasury services, ensuring your day-to-day operations run smoothly and efficiently.
Our collaboration with investment and commercial banking teams delivers customized financial solutions that drive business success. Trust in our comprehensive approach to support your business's growth and achieve your financial goals.
Retirement Plans for Businesses
A tailored company retirement plan offers significant value to business owners, management teams, and employees alike by providing customized solutions that cater to the unique needs and goals of each stakeholder. This approach ensures a well-rounded retirement plan that fosters long-term financial security and satisfaction for all parties involved.
From the perspective of business owners and management, a tailored retirement plan unlocks unique tax planning strategies, helping to minimize tax liabilities and optimize cash flow. Additionally, full investment flexibility through self-directed brokerage accounts enables personalized investment strategies that align with individual risk tolerance and financial objectives.
For employees, a customized retirement plan offers a comprehensive and flexible savings vehicle, empowering them to build a strong financial foundation for their future. This not only enhances employee satisfaction and retention but also contributes to their overall financial well-being.
Our commitment to delivering tailored company retirement plans ensures that business owners, management teams, and employees all benefit from a well-structured and expertly managed retirement solution.