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What We Do

Our approach is focused on building long-term relationships that encourage open and honest communication.

We don't just manage your money, we help you plan to achieve the life you want, over the course of your lifetime. We work with clients in all stages of life—whether they are entering into domestic partnerships, building families, running small businesses, preparing for retirement, or restructuring after major life changes.

How it works

In the beginning, we will work closely with you to determine your own unique goals, risk tolerance, and personal preferences. Over the first year, you can expect to meet with us a lot. We'll spend a great deal of time establishing trust and making sure a strong financial foundation is in place before we start to talk about investment strategies.

After that, depending on the complexity of your goals, we will meet annually or semiannually to assess progress, reassess goals, pivot as necessary, and keep you on track. We'll also meet whenever unexpected things come up—if you're planning a kitchen renovation, we want to know about it!

Even as the world grows increasingly difficult to predict, we can work together to build the foundation for a healthy financial future.

Our Process

As CERTIFIED FINANCIAL PLANNER practitioners, we follow the 7 phases of the financial planning process to help you achieve your financial goals:

<b>Understanding Your Personal&#160;</b><b>and Financial Circumstances</b>

Understanding Your Personal and Financial Circumstances

We’ll truly get to know you and understand where you are coming from before creating a plan.

<strong>Identifying and Selecting Your Goals</strong>

Identifying and Selecting Your Goals

We’ll work with you to pinpoint your financial and personal goals.

<b>Analyzing Your Current Course&#160;</b><b>and Potential Alternative&#160;</b><b>Courses of Action</b>

Analyzing Your Current Course and Potential Alternative Courses of Action

We’ll see what’s working, what’s not, and what could be working better.

<b>Developing Your Personalized Financial Planning Recommendations</b>

Developing Your Personalized Financial Planning Recommendations

We’ll provide expert advice tailored to your unique situation.

<b>Presenting Your Personalized Financial Planning Recommendations</b>

Presenting Your Personalized Financial Planning Recommendations

We’ll lay out the best options for you and provide a plan to help you get started.

<b>Implementing Your&#160;</b><b>Personalized Financial&#160;</b><b>Planning Recommendations</b>

Implementing Your Personalized Financial Planning Recommendations

We’ll work with you to make sure all of the elements of your plan are put in place.

<strong>Monitoring Progress and Updating Your Plan</strong>

Monitoring Progress and Updating Your Plan

We’ll help you stay on track and make changes when necessary.

A relationship-driven, 360° approach

Unlike a large financial firm—where you might call a 1-800 number to have questions answered by someone you have never met—we provide a level of deeply personalized service. We take all aspects of you and your life into account, while providing flexibility for you to grow and continue to meet your goals over time.

We know money is emotional, and we form relationships to develop comfort to have crucial conversations and make tough decisions. Our pricing structure reinforces this. We truly care about our clients and are motivated and inspired by helping them proactively plan for whatever life has in store.

We provide comprehensive financial planning and investment services that encompass the following areas:

<strong>Financial Management</strong>

Financial Management

Cash flow, budgeting, and debt management make up the foundation for a healthy financial future. In order to build wealth, it's crucial to first have a handle on day-to-day expenses, and a realistic plan for how they intersect with long-term goals.

<strong>Retirement Planning</strong>

Retirement Planning

Retirement is simply not the same as it used to be. Much of the responsibility for planning for retirement is now on individuals and families, rather than employers. Many people now spend years in a state of "semi-retirement" where they remain active in their work, but not in a full-time capacity.

With so many options, it's important to have a thoughtful retirement plan that is based on your own unique situation, and also accounts for new ways of working.

<strong>Investment Planning</strong>

Investment Planning

Investment planning helps you maximize your money by investing it wisely, once all of the other financial building blocks are in place. Our investment services typically use ETFs/index funds to provide low-cost exposure for broad diversification. We layer particular index funds, designed to achieve specific goals, on top of core allocations.

We also have the ability to include ESG (environmental, social and corporate governance) funds for clients seeking a socially conscious element in their investment portfolio. These are tailored in allocation, modified to your specific risk tolerance, and tied into your overall financial plan. We'll work together to continue to augment your portfolio based on your goals over time.

<strong>Education Planning</strong>

Education Planning

Education costs are rising—but having a plan in place can alleviate some of the anxiety that comes with planning to pay for college. There are many ways to make these costs more manageable, and different options for saving for education over time.

A comprehensive financial plan takes present and future educational costs into account, while balancing them with retirement and other financial goals.

<strong>Estate Planning</strong>

Estate Planning

Estate planning is not just about distributing assets, it’s about making sure your loved ones are cared for after your death. Estate planning involves managing, administering, and distributing financial assets and making sure your will and other legal documents are current, so that you and your loved ones can have peace of mind.

<strong>Insurance Planning</strong>

Insurance Planning

Along with financial management, a sound financial plan involves having the right protections in place for unexpected emergencies. This means looking at insurance as part of your overall financial picture, evaluating potential risks, and determining the appropriate coverage you need in place to ensure financial well-being—even in worst-case scenarios.

<strong>Tax Planning</strong>

Tax Planning

Most financial decisions have tax implications, so it’s important to consider tax planning as an ongoing part of a comprehensive financial planning process. Tax laws are complex and frequently change, but incorporating taxes as part of the financial planning processes can help you more effectively plan for the future.

CFA® and Chartered Financial Analyst® are registered trademarks owned by CFA Institute.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Contact us today

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