Cash Flow Planning

By tracking income and expenses, we help ensure there’s enough liquidity to cover short-term obligations and plan for long-term goals. Effective cash flow planning involves budgeting, setting aside reserves for unexpected expenses, and aligning your spending with your financial objectives.

Concentrated Stock Strategies

Concentrating a significant portion of your wealth in a few stocks increases your financial risk, especially if those stocks underperform, which can jeopardize your overall financial stability. To mitigate this risk, we provide tailored financial planning and investment strategies to diversify your portfolio while considering your unique goals and tax implications.

Business Succession Planning

When it’s time to move on, we help ensure a smooth transition by identifying potential successors and then create a well-thought-out strategy for passing on leadership and assets. The right business succession plan will preserve the value of your business, while addressing tax, legal, and financial considerations.

Retirement Planning

We work with you to set future lifestyle goals and then outline the necessary strategic steps to achieve them. This includes calculating cash flow, choosing the right retirement accounts, and diversifying investments to balance growth and risk. We also take into account healthcare costs, legacy planning, and potential legislative changes that may have tax implications.

Capital Gains and Income Tax Strategies

To create a financial plan that minimizes your tax liability while maximizing your investment returns, we employ effective tactics that involve holding certain investments to benefit from lower tax rates, implementing tax-loss harvesting to offset gains with losses, and utilizing tax-advantaged accounts.

Balance Sheet Forecasting

By projecting your financial position over a defined period of time, we can anticipate your financial health, liquidity needs, and capital requirements. This forecasting helps identify potential cash flow gaps, enables better decision-making, and ensures that you remain on track to meet your financial goals.

Liquidity Planning (Liquidity Event)

We help manage the timing and resources when milestone events occur in your life such as the sale of a business, a divorce, inheritance, or the liquidation of investments to ensure that funds are available to minimize the impact on long-term financial goals.

Sustainable Spending

Adopting sustainable spending habits, such as budgeting and expense tracking, that accounts for charitable giving, taxes, travel, home improvements and other lifestyle expenses will allow you to create a stable financial foundation that supports both your short-term needs and long-term goals.

Employee Benefits

Maximizing the value clients can get from employee benefits like deferred compensation or health insurance.

Equity Compensation

Strategizing on how to handle stock options, grants, and restricted stock awards.

Tax Strategy

A well-crafted tax strategy will reflect on your financial position. It will include a variety of tactics including tax-efficient investing, utilizing tax-advantaged accounts, timing the sale of assets to benefit from long-term capital gains rates, and making charitable contributions. We also consider deductions, credits, and potential tax-law changes to help optimize your overall tax situation.

Tax-loss Harvesting

This strategy is used to offset taxable gains by selling investments that have declined in value. These losses can then be used to reduce the amount of taxable income, potentially lowering your overall tax liability.

Equity Investments

In addition to constructing diversified equity portfolios that offer clients broad based exposure to global equity markets, we also offer a range of solutions to meet clients’ unique preferences around fees, tax efficiency and risk.

Fixed Income

We view bonds to be the ballast of a client’s portfolios. As such we look to construct portfolios that will preserve capital and provide steady cash flow. We consider both traditional taxable bonds as well as tax-exempt municipal bonds, and work with clients to assess the best solution for their tax circumstances.

Private Investments

For clients comfortable with a portion of their portfolio being invested in illiquid assets, we offer a range of private credit, private real asset and private equity solutions

Tax Efficient Solutions

Investors have varying tax circumstances and preferences. As such we incorporate a broad array of solutions that help clients manage their tax liability. These solutions can also serve as effective tools to manage portfolio risk, particularly in circumstances where clients may have a meaningful concentration in a single company or a portfolio of assets that have a low-cost basis.

Goal Planning

We help clients define their goals and create clear paths toward achieving them.

Distribution Planning

We design tax-efficient strategies to ensure sustainable income throughout retirement.

Social Security Optimization

We guide clients in exploring the best Social Security claiming strategies for their unique situations.

Pension and Annuity Analysis

We evaluate how to effectively utilize pensions and annuities to support clients in their retirement years.

Defining Charitable Goals

We help clients articulate their philanthropic mission, values, and long-term charitable objectives.

Tax-Efficient Giving Strategies

We structure charitable vehicles and contributions to maximize tax benefits.

Legacy and Multi-Generational Giving

We facilitate family discussions around philanthropy to promote shared values and engage the next generation in charitable decision-making.

Life, Disability/Long Term Care Insurance

These are key components of a comprehensive financial plan, providing financial protection in case of unexpected events. Whether it’s replacing a portion of your income if you're unable to work, covering the costs of care services, such as nursing homes or in-home care, or ensuring that your loved ones are financially stable after you’re gone, together, these insurance types safeguard your income, assets, and the well-being of your family.

Property and Casualty Insurance

Property and casualty insurance helps ensure that you’re financially protected from unexpected events that could otherwise result in significant out-of-pocket costs or legal issues. Property insurance covers physical assets like your home, car, or business from such things as fire, theft, or natural disasters while casualty insurance protects you from financial loss due to legal liabilities.

Umbrella or Liability Insurance

Umbrella or liability insurance provides an extra layer of protection beyond the limits of your standard property and casualty policies by covering large claims that could exceed the limits of your primary coverage. Umbrella insurance also provides coverage for situations not typically included in standard policies and helps safeguard your assets from significant liabilities.

Pre-Event Financial Planning

We prepare clients for liquidity events—such as business sales, inheritance, IPOs, or legal settlements—by implementing proactive tax, investment, and planning strategies.

Tax Optimization

We utilize tax deferral and strategic asset placement techniques to minimize capital gains, income, and estate taxes.

Post-Liquidity Investment Management

We develop customized investment strategies to manage concentrated wealth, diversify portfolios, and align with long-term financial goals.

Wealth Transfer Planning

We revise estate plans to reflect new wealth levels and incorporate strategies such as GRATs, SLATs, or dynasty trusts to reduce estate tax exposure.

Divorce Planning

We guide clients through divorce proceedings and help them prepare financially for life after divorce.

Loss of a Loved One

We support clients in navigating estate and financial matters following the passing of a loved one.

Legacy Planning

Ensure that your wealth is passed on to whom you want, when you want, and how you want as specified by your estate and business succession plans. Our wealth strategies department specializes in crafting tailored strategies to help preserve and grow your wealth across generations, while safeguarding your assets for the future.

Wealth Strategy & Liquidity Planning

We help you examine strategies to mitigate the 40% federal estate tax and state estate taxes, preserving more wealth for future generations. Additionally, we guide you through liquidity events to reduce tax burdens and maximize wealth for you and your heirs.

Charitable / Philanthropic Planning

Our process seamlessly integrates your charitable giving goals with strategies to minimize tax liabilities and build a meaningful legacy. We guide clients through a range of planned giving options, from straightforward approaches like qualified charitable distributions and donor-advised funds to more sophisticated solutions such as charitable remainder trusts and private foundations.

Estate Plan Review

We collaborate with our clients to review their estate plans, providing clarity on their current position and identifying opportunities for improvement. Together, we brainstorm strategies to enhance their plans, considering their unique circumstances and the evolving planning environment. Additionally, we work alongside their attorneys to ensure seamless implementation of plans and any necessary changes.

Business Succession Plan Review

We review business succession plans to ensure they align with current needs and the evolving landscape. We help identify improvements and ensure buy-sell or shareholder restriction agreements are designed effectively, working alongside attorneys to implement necessary changes.

Coordination of Planning Vehicles

We help you coordinate all aspects of your estate and business planning, including ownership structures and beneficiary designations, to ensure every component works seamlessly together and aligns with your goals.