Understanding the Specific Needs of Our Clients

We serve a variety of clients from many walks of life and in vastly different situations.

This carries with it a responsibility to bring a breadth of understanding to each personal financial situation we advise. More than that, we bring a high level of expertise and professionalism to each personal situation we face, helping our clients realize they have a partner who knows what it takes to help them reach their financial visions.

The following client profiles and wealth needs we address are meant to provide a broad understanding of the different kinds of people we serve and the insight we deliver to help them achieve their individual financial goals.

General Client Profiles

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Accumulation Focused

Of the three financial phases in life – accumulation, stabilization and distribution – you are in the wealth accumulation phase. Whether you are young and moving up in your career or more established in life, you have a vision. You know where you want to be in five, 10 or 15 years, and we have the experience, knowledge and expertise to help you achieve your vision.

We can provide strategic investment advice, help you implement carefully planned accumulation strategies, and provide you with detailed reports to give you a snapshot of your financial picture and your progress. As things change over the years, we closely monitor your investment needs and policy and make adjustments as required to respect your lifestyle and vision.

We also recognize the busy lifestyle you lead.  Your time is vital to your success. With that in mind, we prepare meeting agendas ahead of time, allowing us to leverage your time properly to ensure your involvement is effective and as much or as little as you desire.

Retirement Focused

As financial planners, we enjoy helping clients celebrate retirement – no matter how they plan to enjoy it. Guiding you through good financial decisions both before and after retirement allows you to concentrate on what is really important – living your life to the fullest.

If you are thinking about your retirement and how you will spend your time once you leave work, we can help.  We can advise on how best to manage your retirement plan distributions; manage cash flow distributions from your portfolio to help maximize income and minimize tax implications; determine the best time to begin taking your Social Security and Medicare benefits and review your options for medical and long-term care insurance.

In all, we offer you a comprehensive array of services, the support and expertise of our staff, plus a network of outside professionals that can help take the guesswork out of the process and help you focus on making your visions for retirement a reality.

Financially Independent

If you are financially independent, you have achieved a unique station in life and have very different needs when it comes to the management and custodial duties related to your wealth.  We can assist with the everyday management of your financial affairs and the distribution of your wealth. We are experienced working with clients throughout the USA.

When it comes down to it, we want you to have the freedom to live your life as you wish, where you wish. That can only occur when you know someone is looking after your wealth in a careful, competent and professional manner. Over the years, that is the relationship we have built with other clients in positions similar to yours.

Independent Woman

A large number of our clients are independent women. Some are widowed after a lengthy marriage; some have never been married; others have gone through a divorce.

Meeting with us may be the first time you have even thought about investing. The first thing we will do is to listen to you and gain an in-depth understanding of your risk tolerance. Women at different stages in life will have very different attitudes toward risk. We listen carefully, taking your goals and risk tolerance into account to develop a portfolio that is right for you.

If you are an independent woman who has accumulated considerable wealth, you must carefully consider the financial impact of relationships. Engagement, cohabitation, marriage – or a second marriage – each has unique issues that we can help you comfortably understand and be confident in the financial decisions you must make.

If children are a part of your life, it is no secret that tuition and college expenses grow every year. We can offer a wide array of savings alternatives to help you plan for their future without sacrificing the quality of your life now.

We have helped many women navigate through all the issues a single woman can face. We have seen many gain new confidence as they took control of their finances and set positive, attainable goals for themselves.

Suddenly Single

The loss of a loved one from death or divorce is a turbulent and emotional time. There are so many questions to answer and decisions to make; the last thing you should have to worry about is your finances. Experience has shown that financial questions are likely the most prominent in your mind.

To help you through this time, we offer a level of care, support and service you might not be accustomed to receiving at a financial firm. For instance, we offer a selection of materials, such as a "Survivor's Check List," designed to provide you with a better understanding of what is going on in your life and around you, so you can stay focused on your goals and keep moving forward.

While you have full access to our caring staff, we know support needs to come from other areas of your life as well. We collaborate with other professionals to ensure your needs are properly met, and your questions are answered to your satisfaction. Your team can include not only members of our staff, but also family members and outside sources of professional service, including attorneys, accountants and insurance professionals to name a few.

Your care and well-being are our ultimate priority. We will make sure the proper resources, both personal and professional, are available.

Business Owner

Owning a business – whether just starting out or established for many years – can be a fulfilling and rewarding experience. Business owners have unique responsibilities. For instance, your assets are subject to different risk if you own a business. You not only have to worry about your family if you are unable to work, you have to worry about your business, too.

We specialize in helping efficiently integrate your personal and business financial planning. Some of the services we provide include cash-flow projection, finding insurance coverage gaps and overlaps, help in establishing the true value of your business and succession planning. We can provide guidance with intergenerational family issues as well.


Through experience, we not only understand the unique financial needs of corporate, non-profit and public service professionals, but also the special lifestyle concerns of those whose lives are often unequally divided between family and work. Our goal is to help you create efficiencies in your financial planning to enable you to better leverage your time and simplify your life.

When it comes to matters of compensation and benefits, we have considerable expertise and will use it to help you take proper advantage of benefits such as insurance plans, stock option plans, restricted stock, concentrated positions, deferred compensation and pension plans to maximize your opportunities.

To avoid the pitfalls of accepting a position with a different company without all the facts, we can provide a job move analysis before decisions are made. At the other end of the spectrum, we can also help you analyze retirement scenarios and early-out programs.

Typical Wealth Needs

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Creating, Managing & Growing Wealth

Investment Management of Long Term Success

  • What  types of investments are appropriate for my life situation and risk  tolerance?
  • How do I evaluate my portfolio to determine if I'm on track to meet my goals?
  • What investments should I own now to achieve my short and long term goals?
  • The market is so volatile; how do I reduce my risk?
  • How do I look at the "Big Picture" to assure that I am handling my company benefits and my personal finances properly?

Retirement Income Planning

  • When can I retire?
  • How much wealth will I need to accumulate to give me a high probability of never running out of money?
  • How much do I need to save annually toward retirement?
  • Should I take a monthly pension or the lump sum distribution?
  • When should I start my pension and/or Social Security benefits?
  • What options should I consider for "closing the gap" if I don't have enough to retire?

Cash Flow & Liability Management

  • What types of debt might be appropriate for my age and situation?
  • Should I refinance my mortgage?   What term would be most appropriate for my situation?
  • How can I adjust my spending to reduce my expenses?

Preserving My Wealth

Preserving Wealth to Protect My Loved Ones' Needs

  • How do I provide for my family in case I die unexpectedly or become disabled?
  • How much and what types of insurance might be best for my situation?
  • How do I protect my wealth in the event my spouse or I need nursing care?

Special Wealth Needs During Life

Funding for Support & Education: Children, Grandchildren & Parents

  • How do I fund for my children's or grandchildren's education and still plan for retirement?
  • How do I create a fund for a person with special needs, a cause or charity?
  • What are my options for supporting others in my life with special issues? (i.e. starting a family, starting a business, remaining in their home, etc.)

Dreams, Major Purchases, Life Stage Transitions

  • How much do I need to save in order to fulfill my dream of… (boat, second home, travel, starting a business, sabbatical, etc…)
  • What are the pros and cons of continuing in my present position versus a new position or consulting?

Job Change/Sudden Unemployment Transition

  • What are the quantitative and qualitative factors I should be considering in moving from my current firm to a new company?
  • How should I handle my 401k Plan, Cash Balance Plan, pension and other benefits upon leaving my old employer?
  • What benefit options should I be electing with my employer?

Wealth Distribution After Death

Estate, Legacy & Charitable Planning

  • How do I minimize the tax bill when I transfer assets?
  • How do I ensure that my wealth is preserved for my spouse and my children?
  • How do I ensure that my assets are preserved for the lifetime of my spendthrift heir?
  • What legal structures and documents do I need to put in place so my estate is transferred in accordance with my wishes?