Our individual clients are often from one of three categories: Business Owners, Corporate Executives and Near Retirees/Retirees


Business Owners

Running a business takes time, focus and dedication. Most business owners want to know they are making the right financial decisions and that those decisions are synchronized with their personal lives. However, most do not have the time to devote to answering the questions of what to do, when to do it and what paths are best for meeting longer-term goals.

We help Business Owners enjoy their ideal lifestyle. We provide support to:

  • Determine how much is needed from selling their business in order to reach retirement and long-term planning goals

  • Strategize when to sell in order to maximize value

  • Explore whether a retirement plan can help increase employee retention and reduce taxes

  • Interface with other trusted advisors such as the CPA to minimize taxes during the transition and transferring wealth to loved ones

  • Integrate the business sale with personal financial planning for the whole family’s needs

  • Prepare the next generation to be stewards of the family wealth


Corporate Executives

As they become more successful, executives find their finances become more complex. Benefits such as options, restricted stock, phantom stock, Supplemental Executive Retirement Plans (SERPs) and Deferred Compensation are all beneficial, but require careful consideration to track, plan for taxes, and to leverage.

We work with successful corporate executives to understand their compensation options and to create a tailored financial plan to:

  • Maximize the value of options, restricted stock and other compensation benefits without taking on undue risk

  • Create a long-term plan for retirement

  • Balance the risks and potential rewards of company stock investments

  • Leverage deferred compensation and pension plan options

  • Determine how best to use cash and leverage to purchase large items such as planes, cars or second homes


Near Retirees/Retirees

As clients approach the transition from full-time work into retirement, we provide direction at each important step in the process.

We help near retirees and retirees to enjoy the lifestyle they envision and to:

  • Identify cash flow needs in retirement and the appropriate allocations of investments to support these needs

  • Determine the best timing for retirement

  • Focus on health, insurance and other protective measures

  • Analyze social security and pension benefits to maximize benefits

  • Create a long-term plan for legacy, inheritance and gifting