Our Clients

Executives


Most executives are offered increasingly complex benefit and retirement structures. Regardless of whether you are just beginning your career or approaching retirement, we will help you map out your alternatives so that you can make a clear decision on which path or options to take.

 

Small Businesses


Your business is your retirement plan. Just the same, the wise old adage applies: don't put all your eggs in one basket. As a small business owner, there are special retirement programs that are not available to anyone else. We can help you develop strategies to diversify your livelihood now and for the future. At the same time, we can help you develop protection for your biggest retirement asset---whether you plan to sell it one day or pass it on to your heirs.

Public Sector 


Police, Firefighters, Educators and Government employees have unique pension systems. Understanding the intricacies of the pension options available to you is critical to successful retirement planning. We have extensive experience in helping clients explore their pension options in order to map out an optimal path to a comfortable retirement. Public sector employees have special tools available to help them to save in preparation for retirement. We also offer expertise in helping you choose the right savings program for you. 

 

Families


Not only must you provide for your own means and longevity in retirement, you might also have to provide for ones dependent on you. Sometimes this involves straightforward college savings planning. At other times, more complex strategies are needed for protecting children with special needs. Occasionally, the tables are turned and you need planning for your parents. We provide comprehensive financial planning for families through all stages of life including strategies to transfer wealth to the next generation through estate planning.

 

Retirees


A common concern of retirees is “maintaining their lifestyle by not running out of money.”  Once you retire, you likely will not want to return to the work force in order to cover any future income gap—especially as you grow older.  As time goes by, the cost of living rises and new expenses like medical bills can cramp your budget.  When you reach your seventies, complicated rules often apply to your retirement accounts.  As you move along in retirement, your goal of leaving your legacy to your family as opposed to a nursing home or the government becomes more pressing.  We can provide you with income strategies to help you achieve your goal of not running out of money.  We can also help you to manage your required minimum distributions on your retirement accounts and help you think through your legacy planning.

 

 Sustainable Investing


According to US SIF, more than one out of every five dollars under professional management in the United States was invested according to socially responsible investing strategies also known as sustainable investing.  These terms describe a very broad category of related strategies and their respective synonyms. The common denominator of these approaches to investing is placing an emphasis on incorporating environmental, social, and governance (ESG) Issues when making investment decisions.  Essentially this is a personal-values based approach.  We can help you design your own ESG strategy and build your own socially responsible portfolio.