RETIREES

Retirement is scary; both planning for it and entering it. We understand the transitions that retiring entails, both the technical issues such as deferred comp stock option decisions and Social Security claiming strategies, and the anxieties that are experienced throughout the process. After helping with the transition into retirement, we continue to walk with clients as they plan for and face the new and sometimes frightening challenges of incapacity and legacy.

NEW WEALTH

Wealth solves many problems, but it creates a whole new set of problems for which clients are often unprepared. Wealth may come from inheritance, divorce, sale of a business, or the lottery. While the source of the wealth may differ, the loss of control that comes with the change in circumstance is the same. A trusted guide and a proven framework are required to regain control.

BUSINESS OWNERS

Owning a business involves complex and unique financial needs and leaves very little time to address those needs. A trusted guide is needed to help coordinate many moving and interrelated parts, often including other professionals.

These needs can include structuring investments to coordinate with the business holdings and liquidity needs, creating financial projections that model different exit scenarios, helping to plan and implement next generation and legacy wishes, or serving as a resource or co-fiduciary for a retirement plan.

Successful business owners understand that delegation is critical to their success and that delegation only works with a trusted fiduciary who is acting as a buyer, not as a salesperson.

RETIREMENT PLANS

Evaluating an existing retirement plan - or adding a new retirement plan to a small business owner’s suite of benefits – is a complex process. We serve as a fiduciary helping businesses evaluate the needs of the company, its ownership, and its participants to determine an appropriate retirement plan or, in some cases, combination of plans. We select a properly broad and diversified investment fund menu by screening the investment universe based on several metrics which are monitored and analyzed on a periodic basis. We work alongside Third-Party Administrators, Custodians, and any other administrative parties necessary for plan implementation and regular upkeep. Our goal is to educate business owners, trustees, and participants about the benefits being offered to them and guide them in making prudent decisions through education.