Wealth Management

Everything that happens to money after it is earned — how it is drawn down, what it is taxed at, what protects it, and what is left behind. We look at those decisions together rather than one at a time, because that is how they actually interact.

Retirement income

For forty years a paycheck arrived on a schedule. Retirement is the first time in your adult life that nothing is scheduled. We work out what your savings will actually pay you each month, what Social Security and any pension already cover, and how large the remaining gap really is.

Where a gap needs filling with income you cannot outlive, annuities are one of the instruments available. They commit money for a term in exchange for that certainty, and whether the trade is worth making depends entirely on the size of the gap. We will tell you when it is not.

Retirement planning

Tax-advantaged strategies

Which account money comes out of, and in what order, often matters more than what it was invested in. This is where a tax practice earns its place in the conversation.

Depending on your situation that can mean the order of withdrawals across taxable, deferred and tax-free accounts, structures built around permanent life insurance, or the retirement plan design available to you as a business owner — including arrangements that allow far larger deductible contributions than a standard 401(k).

For business owners

Protection

The expense most likely to undo an otherwise sound plan is a long illness, and it is the one people most often leave out of the arithmetic.

Life insurance, extended care planning, and disability coverage each solve a different problem, cost very different amounts, and depend on your health and family history as much as your balance sheet.

For individuals and families

What you leave behind

When income is not the pressing question, the pressing question is usually tax — what your heirs will owe, and whether a portion is better positioned elsewhere.

We coordinate with your attorney on the documents rather than drafting them, and focus on the part we are qualified to handle: the tax consequences of how assets are titled, timed and transferred.

Estate planning

How we work

We are a tax practice first. That shapes the order we do things in: the return and the structure come before any product conversation, and if the honest answer is that you do not need anything from us, that is the answer you will get.

Where implementation calls for a professional we are not — an attorney, an actuary, a third-party administrator — we coordinate with them rather than working around them.

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