Accumulation

Asset allocation* is an investment strategy that diversifies a portfolio by investing funds across different asset classes, such as stocks, bonds, mutual funds and cash. Other asset classes may include gold and real estate. The goal of asset allocation is twofold:

  1. To mitigate risk and withstand market fluctuations
  2. To help build sufficient assets to retire comfortably

Asset allocation is a long-term strategy that helps a portfolio endure negative changes that occasionally occur in one or more investment sectors. It does not always protect a portfolio from loss, but it does keep assets carefully balanced, which, over time, could yield a stronger return.

*Asset allocation does not guarantee a profit or protect against loss in declining markets. There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio or that diversification among asset classes will reduce risk.

A strong, comprehensive retirement plan is essential to identify savings opportunities and create strategies to put your investments, 401(k)s, IRAs and savings to work for you.  We can help develop a tax efficient plan for the distribution of your retirement income, so you can retire comfortably while meeting all of your financial obligations. We can advise you on insurance options that matter, and explain how your taxes and estate are affected by each financial decision made.

Retirement planning offers you the advantage of imagining how you’d like to live after you retire — and creates a financial architecture designed to get you there.

The college planning process can be stressful for families who want the best possible education for their kids, but struggle with affording tuition for one or more college-bound children.

We believe that your college plan must work seamlessly with your financial and retirement plans. Each of these components has a strong impact on the others, and therefore, an integrative solution is vital.  We can work with you to create a plan that helps you make one of the biggest financial decisions for the people in your life who matter the most — your children.

Everyone deserves to live their best life possible.  But we don’t always consider the ways that the financial decisions we make today could affect our income and assets 10, 20, or even 40 years from now. Is this the right time to buy a new home, car, or boat? Is that money better spent investing in stocks and bonds or going towards paying down debt?  Lifestyle planning provides a comprehensive framework by which a person can achieve their financial goals while still meeting their financial needs now and in the future.

Caring for a family member with special needs can be stressful and expensive. How can you give them all of the physical and emotional support they need without impacting the lives of other family members? What can you do to provide for them in the event that they outlive you?

It is important to establish a plan that takes care of your special needs child or relative without sacrificing your other children’s college expenses or your own retirement plan.  In addition to helping you create a strong financial strategy, we can recommend trusted attorneys and social services professionals to provide you with the team you need to execute a strategy that benefits and protects your entire family.

Let us work with you to:

  • Take advantage of government and third-party benefits
  • Understand the legalities in planning for your loved one with special needs.
  • Help you balance your family’s goals and expenses while managing the care of your family member with special needs.