Our Expertise

Financial Planning

Financial security doesn’t happen by chance.  Many things in life can have an impact on your financial well-being.  We are here to help you be in control of your financial future.  Together we will identify your most important goals and dreams and build and implement a personalized financial plan to help you achieve them.  And because life is unpredictable, we will monitor your progress on a regular basis to ensure your plan evolves as your needs and situation change.

 

Fee-Based Financial Planning

As a fee-based advisor, I am compensated for the time and expertise put into designing and creating your personal financial plan. Under this fee structure, I have a responsibility to ensure your interests and goals are always put first.

 

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Copyright 2016 The Legacy Companies, LLC. Concepts used in these materials used with permission from The Legacy Companies, LLC. Legacy Materials and Concepts are only made available to advisors in the Fee-Based Financial Planning program at Northwestern Mutual Wealth Management Company.

 

Asset Management

We believe successful asset management hinges on using diversification as a means to help reduce correlation and lower overall systematic (market) risk in the portfolio. As we know from Modern Portfolio Theory, we can effectively implement this strategy which is designed to reduce risk in a portfolio and potentially earn a higher unit of return (per unit of risk) in doing so. As an example, while you may reduce systemic (firm-specific) risk by purchasing many different companies in the S&P 500, you won’t reduce overall systematic (market) risk due to your concentration in the domestic equity large cap asset class (S&P 500). For this reason, we feel adamant the more efficient strategy is to diversify by including asset classes in the portfolio which helps to reduce the overall correlation. Our team constantly monitors this strategy through research, trading, tax-loss harvesting and rebalancing as necessary to keep your portfolio aligned with your goals, risk tolerance, and time horizon. All clients should remember that no investment strategy can guarantee a profit or protect against loss.

 

Retirement Planning

One of the greatest financial challenges you will face in your lifetime is preparing adequately for your retirement.  Our team will help you create a plan that will assess your present financial circumstances and goals.  We will then identify creative solutions, implement strategies, and monitor your progress along the way to help ensure you achieve the retirement of your dreams.

 

Retirement Income Planning

Retirement planning doesn’t end when you stop working.  Since your needs, wants, the economy and the markets are likely to change over time, it’s crucial to review your retirement plan on a regular basis.  In addition, you’ll need a distribution strategy that enables you to withdraw enough money to cover your retirement goals without prematurely depleting your savings.  We will work with you to optimize your retirement income while managing the key risks that could compromise that income.

 

Long Term Care Planning

After a lifetime of work and proper preparation, a secure retirement can be your reward. That security will only be as strong as your ability to stay healthy. Most people would agree that their most important asset is their health. That is why it’s important to ensure that if you are ever faced with an extended illness, you will receive the kind of care you need.  Together with our specialists, we will assist you in determining your long-term care needs and design solutions tailored to your unique situation.

 

Education Funding

With the cost of higher education far outpacing traditional inflation, education funding is increasingly becoming an area that needs to be planned and budgeted.  Our team specializes in education funding analyses that will illustrate how various resources can be put to their most productive use to help achieve piece-of-mind when tuition payments are due.

 

Estate Planning

You spent your working years making decisions that would help you build the estate you have today, so it is only natural that you want to decide how it is distributed upon your death.   Since a lasting legacy takes more than simply accumulating a large portfolio, you need solutions that allow you to maintain flexibility and control of your assets during your lifetime while you prepare for the efficient transfer of those assets upon your death.

 

Business Planning

As a business owner, you have many years invested in your business and wanting it to continue is natural.  We specialize in business planning to help you think through questions about what will happen to your business when you retire or if you were to become permanently disabled or die; what’s the value of your business and how much each owner’s share is worth.  Working together, we can develop a plan to help ensure a smooth transfer of your business.