> > > > Who We Serve | Our Clients
We are continually inspired by our clients. They are gracious, kind and decent people. They share our high-minded principles for making a difference, giving back and doing what’s right. They come to us for the guidance and coaching they need, and we help them pursue their own definition of greatness.
Our team maintains a limited client base in order to provide each client with the focus and attention they deserve. Our clients include business owners, retirees, pre-retirees, high net worth individuals, corporate executives and affluent families.
Our clients who are retired want to maintain their current lifestyle as well as be able to travel and leave a legacy for their children and community through trusts and gifting strategies. They want to work with an advisor that can help them not only with their own needs, but help educate their children about investing and pursuing their financial goals.
Our team’s goal is to help our clients with preserving wealth, creating sustainable income throughout retirement and maintaining their standard of living. This includes having a sustainable withdrawal strategy that addresses both their needs for monthly income and their desire to make their money last.
We also help them manage their required minimum distributions and determine the most tax-efficient ways to draw income from their investments. Plus, we collaborate with their legal, accounting and insurance professionals on matters such as estate planning, life insurance and long-term care.
With the right financial guidance, retirement can and should be a most enjoyable and fulfilling stage of life.
For those nearing retirement, planning and preparation are key in determining when to retire, or how much longer to work to provide for an envisioned lifestyle. They are generally concerned about maintaining their wealth after retirement or cashing out of a business. They want to maintain their lifestyle, mitigate taxes and leave a legacy for their children and grandchildren.
We use Goal Planning & Monitoring, a proprietary planning software from Raymond James that can help align financial decisions with our clients’ vision of retirement and other goals. This powerful resource, in conjunction with our deep planning experience, helps us ensure that clients’ goals and our strategy for pursuing them are well-defined.
Since Social Security benefits can play an important role in retirement income, Social Security analysis is an essential part of the services we offer clients. We help them determine their eligibility, determine when best to file, how to potentially maximize benefits for them and their spouse, and mitigate taxes on the income.
Do You Own a Business?
Our professionals have the greatest respect for business owners and their vision, commitment and strong work ethic. Perhaps this is why we have dedicated much of our own careers to serving the financial needs of business owners. In fact, many of our retired clients once owned businesses, as well.
Business owners devote long hours to running and building their businesses, and do not have the time to devote to the crucial financial matters that must be addressed. Their personal wealth is often intertwined with their businesses, and they need to have a solid exit plan in place for the eventual transfer of wealth needed to fund their retirement.
Working with business owners as a partner in their success, we help them address a wide variety of needs, including asset preservation, cash management, tax planning, employee retention, insurance, financing and succession planning.
Affluent Families & Individuals
Our professionals are especially focused on working with entrepreneurially minded families who are willing and able to contribute significantly to society. We help address the many financial matters they face, balancing today’s needs with the goals of tomorrow. There are college educations to be funded and insurance plans to be made for protecting your family. Whatever the need, we’re there for them as their families grow and evolve into future generations.
Often times, family wealth is concentrated in a single stock received through inheritance or a successful business career. We have strategies designed to hedge, monetize, diversify or transfer assets, while mitigating tax implications. Another risk to wealth is the erosion of investment gains due to taxes. Our knowledge of tax-advantaged investments and the tax impact of specific transactions can help you keep more of what you’ve earned.
The heads of families are also highly interested in leaving a legacy for their children, grandchildren and community organizations they support. We have strategies designed to not only provide for those you care about, but also potentially generate personal tax benefits, and further their overall wealth management plans.
Our mission is to serve as your family’s financial advisors for life, handling all matters related to managing and preserving your wealth, and building your legacy – so you are free to focus on enjoying your life and the people important to you.
We serve corporate executives who realize the wisdom in having a well-designed financial plan not only for addressing short-term needs today, such as saving for their children’s college educations, but looking long term to their own retirement and legacy.
Many of our team’s clients have spent their careers in the corporate world and, because of it, need to address a number of complex financial matters, such as managing stock options and concentrated equities. However, because of the time-consuming demands of their jobs and the complex nature of their personal financial circumstances, planning on their own can be challenging.
We help corporate executives with many different executive transactions, including stock option planning, cashless stock option exercises, rule 144 executions, 10b5-1 sales plans, and hedging and monetization for concentrated equity positions. In addition, we can assist with corporate strategies such as share repurchase programs, corporate cash management, executive benefit platforms, and retirement programs.
Count on us to serve as your trusted partner to help manage your investments and mitigate your tax burden, while also addressing key issues such as estate planning, generational wealth transfer, and charitable giving.