Individuals and Families

Financial Expertise

How we can help

Comprehensive Financial Planning

We take a holistic approach to financial planning, ensuring that we help clients prepare for each stage of wealth from accumulation to preservation and finally distribution.

Private Wealth Management

We understand the unique needs of those with significant wealth and offer comprehensive solutions to help clients manage assets, protect wealth and build legacies.

Risk Management

Risk is a natural part of investing, so we help each client define the level of volatility he or she is comfortable with and then manage portfolios based on that unique risk tolerance.

Legacy and Estate Planning

In order to help our clients pass wealth smoothly from one generation to the next, we provide coordinated planning to help build and protect financial legacies.

  • Estate Preservation Services – Working collaboratively with our clients’ other professional advisors, we can develop distribution and charitable-giving strategies and consult on the creation of wills and trusts.
  • Term Insurance – We assist in the creation of term life insurance policies that provide coverage over a defined period to help mitigate future expenses and preserve the value of an estate.
  • Whole Life Policies – For more complete protection, we help clients acquire whole life insurance to provide lifetime coverage and help preserve the assets of an estate by covering the costs of future expenses.
  • Estate Tax Planning – We work closely with our clients’ attorneys, tax specialists and other professional advisors to develop and execute plans designed to minimize the impact of taxes as their legacies are passed on.

Insurance Planning

Insurance is a vital element of a holistic financial plan, so we work with each client to assess his or her needs and recommend the most appropriate levels and types of coverage.

  • Life Insurance Trusts – Through life insurance trusts, we help our clients plan for future expenses and limit the impact of taxes on their estates.
  • Annuities – These vehicles can offer our clients the opportunity for tax-advantaged growth and long-term protection.
  • Long-Term Care Insurance – We can help our clients weigh the benefits of long-term care coverage designed to protect them, their families and their wealth in the event of illness or incapacitation.


Education Planning

Funding the education of a child or grandchild can be one of the most rewarding aspects of investing, so we provide broad knowledge and professional guidance to help our clients contribute to brighter futures.

Retirement Planning

We want our clients to enjoy all they’ve accomplished, so we help them plan fully for the retirements they’ve envisioned and then help them maintain their lifestyles into the future.

Asset Management

By providing our clients access to extensive resources and professional management, we offer them freedom from the need to constantly monitor their investments.

  • Money Management – To help our clients take a more systematic approach to diversifying their portfolios, we offer access to professional money management solutions.
  • Mutual Fund Advisory
  • Asset Allocation – Based on the unique needs and goals of each client, we develop strategies designed for stability by allocating assets carefully across basic investment categories.*

*Asset allocation does not ensure a profit or protect against a loss.

Tax Planning

We can assist clients with creating and monitoring financial plans that are sensitive to tax issues and can adapt to changes in tax laws or lifestyles.