Integrated Areas of Expertise

Fundamental to our ability to provide you valuable financial advice is to first understand you, your family, your current financial situation, goals for the future and your attitude toward spending and saving. Then we can identify and prioritize what matters most to you as we plan your financial journey. Our comprehensive Financial Planning Service serves as the cornerstone of a holistic and integrated management of your finances.

Financial Planning

We develop a customized investment policy based on your goals and requirements. The policy incorporates your specific investment objectives (growth, income, blend…), risk tolerance, liquidity needs and time horizon. We then create an asset allocation model and build a tailored investment portfolio utilizing equity, fixed income and alternative asset classes. The investment portfolio is regularly monitored, managed (rebalancing, tax loss harvesting etc.), and when your goals and objectives change, reviewed for modifications. You always maintain real-time access to monitor your portfolio holdings and performance.

Investment Management

Our in-house tax expertise is engaged with you throughout your journey. We integrate tax strategies in the investment portfolio selection process and portfolio management activities. We ensure you benefit from relevant tax optimizing structures and vehicles. We identify tax efficient strategies to help you save for retirement, college and health expenses. Our team can advise you on charitable contributions which not only support important causes, but also result in tax advantages for you. For those with more complex tax situations (business, foreign, incentive compensation, divorce etc.) our team can provide solutions to address your needs.

Tax Planning

Wealth generation and wealth preservation go hand-in-hand so we take an integrated approach to protecting your wealth. We ensure your investment portfolio reflects your risk profile and that you have a complete understanding of potential investment loss during volatile market conditions. We help incorporate the use of estate planning, trusts, and insurance policies to meet your specific needs and protect your hard earned wealth during your lifetime and beyond. We consider situational planning for events such as disability or divorce which can have a significant adverse impact on wealth preservation.

Wealth Protection

Transfer of wealth to one’s heirs must be proactively planned and implemented to ensure tax efficiency. The consequences of lack of planning can result in assets being locked up in lengthy probate processes, significant avoidable federal and state tax liabilities, and disharmony amongst heirs. We work with you to establish and implement cohesive estate planning strategies which lead to efficient transfer of assets to designated heirs. For family-owned businesses, succession and continuity planning and solutions are implemented. In addition, we can help ensure the transfer of your values alongside transfers of wealth so that your legacy is fully protected.

Wealth Transfer

We have extensive experience working with businesses and business owners at each stage of the business cycle. This includes: formation structures and jurisdictions; capitalization strategy; tax efficiency and tax reporting; mergers and acquisitions; divestitures; continuity planning and more. Maximizing tax efficiency requires a complete picture of the individuals and entities involved. Our focus is to proactively formulate and implement strategies that help you enhance, retain and efficiently transfer the value of your business.

Business Planning