Services

At our firm, we provide expert fee-only life-integrated planning in the following areas: Tax Advice, Financial Planning, Investment Counseling.

Tax Advice

Tax Preparation We prepare your income tax returns and provide you with professional advice year round. We will teach you techniques to reduce your taxes, keeping in mind that tax savings each year is an easy way to help offset our fee. Audit Protection In the event of a tax audit, we will be there to assist and represent you. In most cases, you won't have to be present at the audit. Tax Planning We conduct tax-planning sessions during the year to minimize taxes and project results so there won't be any surprises when your return is filed.

Financial Planning

Goal Setting We help you identify what you want to accomplish this year and where you want to be years from now. Basics We thoroughly review and make recommendations for retirement savings, financial independence, cash flow, education, real estate decisions, mortgage and debt management, stock options, pension plan options, IRA's, starting a small business, etc. Insurance Working with insurance professionals, we educate you to make the right choices regarding life, health, disability, long-term care, automobile, and homeowners insurance, while coordinating coverage with your employee benefits. Estate Planning You will be guided through the process of deciding how your family is taken care of and how you want your assets divided. The focus is on simplicity for your heirs, avoiding probate, and reducing estate taxes.

Investment Counseling

Portfolio Analysis Are your present investments appropriate for your risk tolerance? Tax bracket? Long-term financial goals? Is your retirement plan - IRA, Keogh, 401K, 403B invested correctly? Are you investing tax efficiently? Asset Allocation We will show you how to diversify your assets to guard against market downturns. We will design an individualized portfolio to help you reach your financial goals and objectives. Commission Free Investing We will utilize no-load, low expense mutual funds and make specific recommendations for your portfolio. There will be no hidden sales charges or commissions. Our goal is to provide professional, unbiased investment advice.