What We Do

We work with individuals and business owners to develop a comprehensive wealth management plan by focusing on four key components.

Objective: Creating and Growing Wealth

  • We will discuss your investments to make sure they are appropriate.
  • We will discuss your life insurance to make sure it is adequate and cost-effective.
  • We will discuss your current liabilities to understand liquidity issues.

Objective: Protection and Preservation of Wealth

  • We will discuss your overall investment portfolio without regard to advisors to make sure it is reflective of your current situation, goals and feelings.
  • We will discuss your overall insurance program to make sure the program is adequate, appropriate and cost-effective.
  • We will discuss your overall tax sensitivity to determine if your investments are appropriate for your sensitivity level.

Objective: Planning the Distribution of Wealth During Life in the Most Tax Advantageous Way

  • We will discuss your qualified retirement plan or IRA from the investment side and the distribution plan; if you have incentive stock options we discuss the vesting schedule on these options and the plan to exercise these options; if you own a business, we will discuss key business succession plan issues; not as a CPA or an Attorney, but reviewing those issues and bringing in your other advisors as appropriate.
  • We discuss who your durable power of Attorney or successor trustee of a revocable living trust is in case of incapacity - again not as a CPA or an attorney, but simply reviewing these issues and bringing in other advisors where appropriate.
  • We discuss gifting to children and descendants including UGMA's/UTMA's, 529 Plans and other gifts such as Family Limited Partnerships and Grantor Retained Annuity Trusts.
  • We discuss charitable gifting for both tax efficiency and control. We discuss charitable gifting with appreciated securities and the use of a pool of funds kept intact such as donor advised funds and private foundations.

Objective: Planning the Distribution of Wealth at Death in the Most Tax Advantageous Way

  • We discuss the titling of assets and whether Joint Tenants with Right of Survivorship makes sense - again not as an CPA or Attorney, but by reviewing these issues and bringing in other advisors as necessary.
  • We discuss who your executor or trustee is and whether a lack of continuity is an issue.
  • We discuss your plans to distribute wealth at death to spouse and descendants for both tax efficiency and control issues - not as an Attorney or CPA, but to review these issues and bringing in your other advisors, as appropriate.
  • We discuss your charitable inclinations at death for both tax efficiency and control issues.

The LPL Financial registered representatives associated with this site may only discuss
and/or transact securities business with residents of the following states:
AL, AZ, CA, CO, FL, GA, IL, IN, KY, MI, MN, MS, NC, NJ, NM, NV, OH, PA, SC, TX, VA, WI