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Our Process Helps You Reduce Taxes and Avoid Costly Mistakes 

The Wealth Life Cycle

The wealth life cycle is broken into two main phases: accumulation and distribution.

Wealth Accumulation - It is our experience that the accumulation is the easier part. You save money, set accurate budget and wealth accumulation targets, expect inflation, and use stocks to stay ahead.

Wealth Distribution - The distribution phase is where it gets difficult. This is primarily because of taxes. Taxes for you, taxes for your spouse, and taxes for your heirs. While we want you to have confidence you will achieve your accumulation goals, we also want to proactively assess how to minimize your taxes in the distribution phase of the wealth life cycle. We focus on utilizing our wealth management process to increase your after-tax wealth and help you and your spouse avoid mistakes that cost you money. 

Expanding U.S. Debt and increasing interest rates on that debt is creating a "perfect storm" for future tax increases.

The Trump Tax cuts (TCJA 2017) automatically expire 12/31/25 increasing both income and estate taxes on wealthy Americans.

Large 401k/IRA balances are particularly vulnerable.

Contact us to Develop Your Customized Tax Plan

Our relationship-oriented wealth management process includes accurate financial planning, emotionally disciplined investing, and tax-smart money guidance.

  • We work together to map out your ideal retirement income needs and wealth goals.
  • We also determine how to minimize your taxes, maximize your Social Security, and simplify and optimize your portfolio.
What having this relationship means to you: 

What having this relationship means to you: 

  • Relief
  • Confidence
  • Peace of Mind

As part of our ongoing relationship we: 

  • Manage your portfolio.
  • Review your estate plan.
  • Introduce this process to your adult children so they can personally benefit from it.
  • Implement an identity theft prevention plan.
  • Involve your adult children in your wealth management process as needed.
  • Successfully manage your wealth for your spouse, then transition your estate to the next generation.
Who can you trust to give you unbiased investment advice?

Who can you trust to give you unbiased investment advice?

If you are like most people, you assume that someone who provides investment advice to you must be required to act in your best interests. Unfortunately, that’s only true for some advisors – those who are fiduciaries like us. Registered investment advisers are legally obligated to place your interests first. They are fiduciaries. That means they must not only be loyal to serving your exclusive best interests, they also must adhere to a high standard of professional competence.

Independent Advice Since 1997