PERSONAL ACCOUNTING

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Tax Planning And Preparation
Investment Review And Analysis
Financial And Estate Planning
Retirement Planning
Trust Planning And Compliance

TAX PLANNING AND PREPARATION

We will prepare all of your required Federal, State and Local tax returns, assuring that you are paying no more tax than is necessary. Throughout the year, we will monitor tax law revisions and discuss with you those changes that might affect you and your current financial situation. We will recommend tax-saving strategies and serve as your advocate in all tax related matters.

INVESTMENT REVIEW

As financial professionals, we can help you outline your financial goals, and determine the right investments to reach them. We will clarify your investment opportunities and recommend those most appropriate for your personal needs. We can prepare an asset allocation plan that will enhance your success, as well as provide security for you and your family.

Your investment program will be reviewed periodically to be sure you are achieving the best possible return with no more risk than you are comfortable with. As you consider new investment opportunities, we will act as a sounding board and advisor.

FINANCIAL AND ESTATE PLANNING

Increasing your net worth is possible with the right financial advisor. We offer total financial and estate planning programs, including an analysis of your net worth, investment review, children's education, trusts, retirement planning and business succession planning. Working with you and your other advisors, we can design a plan to meet your needs and preserve the value of your estate over time. We will also monitor the tax and economic environment to make certain your plan continues to achieve your goals.

RETIREMENT PLANNING

Three out of four American workers don’t know how much they will need for retirement, and two thirds haven’t even tried to figure it out. The sooner you implement a plan, the more successful you will be at achieving your goals. Sound retirement takes both tangible and intangible factors into account. What kind of lifestyle do you wish to maintain during your retirement? How do you ensure your retirement income will keep pace with inflation? We conduct a comprehensive analysis to answer these questions, then design a plan that meets your retirement goals. We can also provide post retirement planning to make certain your resources are utilized properly.

TRUST PLANNING AND COMPLIANCE

There are many sound reasons to establish a Trust program. The most important are preservation of wealth, protection of assets and to reduce taxes. We work directly with Trust Attorneys to plan and implement Trusts that best fit your unique circumstances. If you already have a Trust in place, we can help you maintain compliance with the Trust terms and assist in all tax reporting requirements of your particular Trust. We encourage couples to make establishing a Living Trust and executing Will documents a priority.