Every stage of life brings its own unique financial challenges. That’s why it’s important to work with a financial advisor committed to getting to know you personally to understand your short and long-term goals and objectives. That’s the only way to help ensure that the advice you receive today will also support your goals for tomorrow.
Our goal is to help you protect and grow what is most important to you and your family. We develop strategies tailored to your needs and goals that seek to help you:
Meet income needs over time
Manage risk in line with your goals and time horizon
Generate growth to outpace inflation
As independent advisors, we have access to a full array of non-proprietary financial products and services as we work with you to help ensure your assets are strategically allocated, diversified and managed. We seek to create investment strategies tailored to your needs that may include:
- Cash and money market funds
- Municipal, treasury and corporate bonds
- Domestic and international stocks
- Mutual funds
- Exchange Traded Funds (ETFs)
- Fixed and variable annuities
- Strategic Asset Management (SAM)
- Model Wealth Portfolios (MWP)
- Alternative investments*
* Alternative Investment Strategies include hedge fund strategies, private equity, managed futures vehicles, structured products, equipment leasing partnerships, real estate investment trusts (REITs), 1031 real estate exchanges and oil and gas partnerships.
No strategy ensures a profit or protects against loss. Investing involves risk including possible loss of principal. Past performance is no guarantee of future results.
Tax Planning Strategies
Nearly all financial decisions have tax ramifications. Tax liabilities associated with investment, estate, gift and real estate taxes, among others, can take a toll on your wealth. Our team of experienced professionals can help coordinate the various aspects of your financial plan to maximize tax-efficient strategies in line with pursue your overall financial goals.
We are always happy to work with your CPA or other tax professionals, or refer you to professionals we work with on a regular basis. This can help to ensure your tax planning needs are fully addressed across all aspects of your finances, including year-end planning and estate planning.
Tax services are not offered by LPL Financial or affiliated advisors.
Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of wealth planning. Closing the gap on potential risks can be tricky without a comprehensive plan and process that seeks to methodically evaluate all potential risk factors. That’s why risk analysis is an integral part of our ongoing process.
Life insurance products offer a spectrum of death benefit protection, spousal coverage and cash value accumulation features for a variety of needs. Life insurance is also used as an important estate planning tool, helping to ensure your beneficiaries and heirs are not saddled with an undue estate tax burden.
Long-Term Care Insurance
Long-term care insurance can help manage healthcare costs and reduce the impact of inflation, while ensuring your healthcare needs, and those of loved ones, are covered well into the future.
For many of us, the ability to work and generate income is our most valuable asset. Protecting it is paramount to pursuing your short- and long-term financial goals. Disability insurance helps guard your income and lifestyle from unexpected interruptions during your working years. Adequate disability coverage can ease the burden of lost income or wages while you recover from an accident or illness. It can also help to prevent the depletion of savings or being forced to sell investments at an inopportune time to raise cash for living expenses.
Paying for a child or grandchild’s education costs is a noble goal. Whether you’re paying tuition costs now or saving for future education costs, it’s important to determine if your education strategy is compatible with pursuing your retirement income and related financial objectives. Tax considerations and retirement income needs must be carefully weighed and evaluated before choosing a specific strategy. It’s important to remember that while education expenses can be funded through borrowing, retirement expenses cannot.
Preserving wealth from one generation to the next can be complex and time-consuming.
Guidance from a competent, experienced advisor can go a long way toward helping make sure your financial success is shared with your family, friends and the charitable organizations you designate, according to your wishes.
We have helped generations of families develop wealth transfer strategies that seek to reduce estate taxes while pursuing specific legacy and charitable giving goals.
We can help you articulate your estate planning goals and will work closely with your tax and legal advisors to help ensure your financial strategy reflects your estate planning needs. Or, if you prefer, we can provide a referral to our own team of outside professional advisors adept at the intricacies of estate and tax planning. Whether you use a trust* or another method for accomplishing your long-term estate planning goals, we can assist you in navigating and simplifying today’s complex estate planning landscape.
*LPL Financial Representatives offer access to trust services through The Private Trust Company N.A., an affiliate of LPL Financial.
Tax and legal services are not offered by LPL Financial or affiliated advisors.