Most individuals do not have a clear plan for achieving financial goals. First, through insightful interviews, risk questionnaires, and candid discussions, we help clients define their goals and objectives. Next, we design your personalized financial plan. This individualized approach allows each client to have a feeling of control over their financial destiny.
We understand that no one enjoys paying taxes. However, most individuals will not argue with paying a level of tax that they feel is fair. When evaluating the performance of in investment portfolio, it is important to gauge the impact of taxes on the returns. This factor is often ignored. Conversely, many times investment decisions are made with the emphasis on income tax implications, resulting in the "tax tail wagging the investment dog." We assist clients in reducing their taxes as much as is allowable by designing a goal-focused portfolio that is tax efficient.
The greater the assets accumulated over a lifetime, the more exposure to estate taxes. Since these rates are high, up to 45%, it is important to reduce estate tax exposure as much as possible. Just as important, however, is helping clients take care of their heirs, keep a family business viable or fund a charity.