Our Services

Investment Management

What is your main purpose for investing? If you have already retired or plan to retire soon, you might be wondering how your investments can safely provide income for the rest of your life. We can help you explore options for consistent passive income from the proceeds of the sale of your business, your retirement plans, or any other assets from which you would like to derive income. We can also help to ensure that you’re not taking any more risk than necessary to accomplish your goals.

If your retirement is well into the future, you’re probably more concerned about maximizing your growth between now and retirement. You may have heard that you can never achieve high returns if you’re not willing to take any risk. On the other hand, if you take too much risk, you could lose it all. How can you find the proper balance and be confident that your investment strategy will pay off in the long-run?

Most people are their own worst enemy when it comes to investing. All too often they buy or sell stocks, bonds, mutual funds, gold, real estate—you name it—based on exaggerated claims they heard on the news, in an advertisement, or from a friend, in hopes of landing a quick gain or avoiding a big loss. The truth is that no one really knows what will be the next hot stock or when the market will crash again. If they did know, why would they tell you instead of just maximizing profits for themselves? If investing were that easy, we would all be billionaires. Investors who follow this type of hype from the “experts” tend to lose a lot of money in the long run.

Markets are random and unpredictable in the short run, but in the long run returns tend to be excellent for those who have realistic expectations and know how to harness its power without getting burned. In order to be a successful investor, you don’t have to know everything, but you do have to know the right things, and you need a trusted coach to guide you through both the good times and the bad times.

You must understand where market returns come from and which types of risk are worth taking. You must have realistic expectations about how your investments could behave over a short period under a variety of economic conditions. You must also know how much risk you are willing to take to meet your goals.

Then you must build a well-diversified mix of investments to match your risk tolerance, and stick with your strategy through thick and thin without worrying about what other people are doing. Only then can you be confident that your investments are performing at their very best.

No matter what your objectives are, we can give you the education, tools, and ongoing coaching you need to be a confident, successful investor throughout all stages of your life.

Retirement Planning

If you have already retired or plan to retire soon, how can you be sure you’ll have enough income to live the lifestyle you want for the rest of your life? You have critical investing decisions to make because chances are, you can’t afford the risk of a big loss, yet you still need your money to grow. We can help you find the right balance between growth and safety of your hard-earned savings.

We can also help you create a realistic budget based on your potential income sources, and help you decide when to take any Social Security, annuity, or pension benefits to which you may be entitled. These decisions must be made carefully, because many of them cannot be changed once you have made your choice.

If your retirement is well into the future, you should start thinking about what you need to do now to make it happen. Most people have no idea how much money they will need to enjoy the kind of retirement they have always envisioned. The constantly rising cost of everything around us can make it very difficult to do all the things we hoped to be able to do during our golden years. Many people live longer than they expected and earn less from their investments than they projected. The dream of a long, happy retirement becomes a nightmare for those who outlive their money.

While it’s never too late to start, the sooner you know what it will take to create the kind of retirement you want, the easier it is to make it a reality. Even if you plan on working till the day you die, you should have plenty set aside in case you’re forced to stop working sooner than anticipated due to sickness, injury, or downsizing, and so you have the flexibility to do the type of work you would like to do.

We can help you determine how much you should be saving to secure your retirement goals while enjoying a great lifestyle today. We can also teach you investing strategies to help make your retirement dreams a reality.

Insurance Planning

Life is full of surprises! Are you and your loved ones fully prepared for the unexpected? Even with the best of plans, we don’t have complete control over our own health, Mother Nature, or the potentially harmful actions of other people.

Accident, illness, lawsuit, and even premature death are seldom expected when they strike. When they do, they can dramatically impair our ability to provide the kind of life we want for ourselves and those who depend on us. Therefore, we must follow Zig Ziglar’s counsel: “Expect the best. Prepare for the worst.”

For big risks that cannot be completely avoided, insurance is often the most practical solution. However, insurance costs can be substantial, so we recommend only insuring that which is absolutely necessary.

We can help you assess which types of insurance are the most critical for your situation, and how much of each type you really need to protect the things that matter most. We can also teach you the “tricks of the trade” so you can maximize your coverage while lowering costs.

If you have accumulated significant wealth, the right kind of insurance can play a slightly different role. It can help your heirs pay estate taxes when you pass away, without having to sell valuable real estate or business interests they would like to retain. If you own a successful business that one of your children plans to take over someday, insurance can help provide an equal inheritance to your other children without placing undue pressure on the financial health of the business when the time comes.

General Financial Coaching

In addition to providing investment management, retirement planning, and insurance planning services, we seek to be a resource and trusted counselor on all financial matters for our clients. Here are some examples of other types of questions we can help you answer:

  1. When and how should I sell my business, and what should I do with the proceeds?
  2. What should I do with my 401(k)s, IRAs, and other retirement savings plans when I switch jobs or retire?
  3. I expect to receive an inheritance or insurance settlement soon – what should I do with it?
  4. Should I pay off my house?
  5. Should I refinance? What type of mortgage should I get?
  6. How can I reduce my tax burden?
  7. What is the best way to cover higher education expenses for my children or grandchildren?