Risk drives the markets, but everyone’s risk level is different. We perform an initial analysis to match your risk tolerance to an appropriate level to help accomplish your goals. Then we continually monitor your portfolio to help make sure that level is maintained.
Establishing a reliable, sufficient income stream is a foundational piece of living the life you want. We’ll help you make sure you have enough money coming in, and we’ll put a plan in place that can help it stay that way.
Your investments are one of the most important building blocks of your financial plan. We’ll evaluate your portfolio and see where things look like they’re working and where things look like they could use a little work.
Most people have goals, but often they haven’t figured out how to accomplish them. We’ll help you establish firm goals and build a clear path ahead so you know how you’ll get there.
Your business is like your child, and you want to make sure it’s cared for now and in the future. We can help you improve your business in several ways, including the following…
If you are planning to sell your business, you want to make sure the transition goes smoothly, and once it’s over, you want to use the money wisely. Will you put it toward retirement, another venture, or something else? We can help you map out your new reality.
Are your employees happy with their benefits? Are they using them correctly? Are they getting everything out of them that they could? Through our partners, we help set up a benefit plan and host regular education events both on- and off-site.
Healthcare benefits are provided by a TFS partner.
Most retirement savings programs allow the employees to save a greater percentage of their income than that of the business owners due to income limitations. In addition, defined benefit programs are usually more beneficial to older owners. If you’ve hit the maximum contribution limits for these programs, you may want to consider alternative saving strategies to achieve a similar relative income percentage in retirement as your employees. We can help you find other avenues so you can save the amount you want in order to live the life you want in retirement.
If you’ve maxed out your contributions to qualified retirement accounts such as your 401(k) and you still want to save more, there are other tools you can use that require you to be more selective. We can help you save additional amounts using multiple strategies depending on your needs.
Poor tax planning can result in you leaving thousands of dollars on the table. We work directly with your other professional advisors, including sending tax reports to your CPAs and coordinating with them to maximize the tax efficiency of your plan.
Paying for your loved ones to go to college is a noble goal that is all too often derailed by poor planning and unexpected taxes. We’ll help you optimize your approach so your loved ones are taken care of.
Whether you want to give to a charity, church, or family, we can help you do it in a way that maximizes your gifts and minimizes your taxes.
Getting and staying organized can be a challenge, especially if you are keeping track of documents for your entire family. To help you, we provide a Personal Financial Organizer to systematize your information. This resource can increase your own efficiency and tidiness. We recommend you bring this in whenever we meet to discuss your finances. In order to accommodate your preferred working environment, we offer physical or digital versions of the organizer.