Investment Management & Advice            

"Pay as you go, Advisor-Assisted Investing"             

• Our unique "investor portal" allows you to easily and accurately execute our investment recommendations without delegating
  trading authority or power of attorney to us.
• Risk profiling process that is scientifically developed and psychometrically valid (why is this important?)
• Implementation using low-cost ETFs
• Periodic account rebalancing
• Low management fee
• Management of liquidity needs (cash inflows and withdrawals)
• Online "time-weighted" performance and tax reporting
• "Lowest gain" tax lot bookkeeping on taxable accounts
• We also offer fully outsourced, discretionary investment management
  
  

Financial Planning Services           

Retirement Scenario Planning

• Each scenario illustrates the outcome and percentage likelihood of achieving your retirement goal based on a set of assumptions
• Answers to questions such as: Can we afford to retire? How much
  do we need to save? Will we outlive our money?
• Risk analysis utilizing actual historical returns, "bad timing," and statistical Monte Carlo analysis

Education Funding Analysis & Recommendations                

• Cost projections based on desired school/degree
• Required savings calculation (lump sum and/or regular investment)
• Recommendation of specific savings account vehicles/types

Life Insurance Needs Analysis                                          

• Evaluation of required life insurance amount (both spouses)
• Discussion and recommendation of appropriate insurance type
• Illustrations showing additional insurance required and cash flow
  that existing insurance will cover

Employee Stock Option Analysis

• Analysis of Incentive Stock Options (ISOs) and Non-Qualified
  Options (NQOs)
• Sensitivity analysis illustrating the potential decrease or increase in option value based on hypothetical rise and fall of stock price
• Recommendations regarding option exercises and sale of stock
• Educational discussion regarding risks and tax considerations
  
  

Other examples include:  When should I take Social Security?, How should I allocate my 401(k)?, Should I take a lump sum or annuity pension?

Note:  This is not a comprehensive list.  If you face a financial challenge, we can help you develop the best course of action.