Our Services

We empower you through understanding.
Trust is critical. However, trust in and of itself is not a good enough reason to work with someone. Before any strategy is ever implemented, we will make sure you understand where you have been, where you are now, and how our recommendations may help you accomplish your desires. Once you feel confident and comfortable, we work with you, and if you would like, your family, and your tax and legal professionals to make sure that everything has been arranged properly and that nothing has been missed. If you do not currently have a tax or legal professional, we are happy to recommend, as needed, those we have working relationships with.

We focus on three key areas:

• Your current and future income needs regarding:
  • Actual spending, inflation, and taxation.
  • Inefficiencies in your current situation.
  • Income, expense, and tax issues when a spouse dies.
  • Maintaining your ideal lifestyle.
• Asset preservation and growth through:
  • Reducing or eliminating risks where possible.
  • Coordinating tax strategies with current assets to reduce the effects of taxation not only today but, often most importantly, at the demise of the first spouse.
  • Gifting strategies in relation to current federal estate tax and state inheritance tax regulations.
  • Understanding catastrophic illness concerns and solutions.
• Estate distribution—to whom, when, how, the amount(s), and the total impact—with regard to:
  • Strategies that may help to reduce taxes which may be incurred after demise, including federal estate tax, state inheritance tax, and the often-overlooked income tax on income in respect to decedent (IRD).
  • Options for controlling the distribution to one or more heirs and the burden that is often put on other family members to administer the distribution.
  • Strategies for estate equalization that don't cause increased burden or unrealistic expectations on one or more heirs.
  • Dealing with beneficiaries that have special needs.

It has been said that money is the root of all evil. We believe money is neither good nor bad. However, it will accelerate the direction someone is already heading. It is wise to consider not only what an inheritance may do for someone, but often what it will do to someone.