Advice on WAY More Than Investment Accounts.
So many items go into a worry free financial plan. We align all aspects of your financial life to your goals and values. As life happens we stay on top of needed changes – so you don’t worry.
Tax Planning
Entrepreneurs have the ability to utilize tax deductions not available to the W2 individual. Our goal is to take advantage of the 6,800+ pages of tax deductions, tax credits, and tax exemptions that Congress and the Internal Revenue Service (IRS) will allow. These tax breaks and tax strategies offer ways for entrepreneurs to reduce their taxable income – both today and in the future.
Items we review with our tax planning services:
- Annual Tax Return Analysis
- Business Entity Analysis
- Company & Personal Retirement Plan Setup and Managment
- Charitable Giving Strategies
Cash Flow Planning
Cash flow planning is tracking, analyzing, and projecting the movement of money in and out of your business over time. Our goal is to identify shortages or surpluses well in advance in order to keep your business running smoothly and give you time to make informed financial decisions.
Items we review with our cash flow planning services:
- Profit and Loss Analysis
- Benchmarking EBOC (Earnings Before Owners Compensation)
- Debt Management
Retirement Planning
Entrepreneurs face alot of choices when it comes to “Retirement Planning”. Whether you are looking to sell your business outright, pass it to the next generation, or continue to operate your business more hands off, we help you determine what’s needed to accomplish your goals.
Items we review with our retirement planning services:
- Business Succession Planning
- Business Valuation Planning
- Retirement Income Planning
- “What-if” scenario modeling
- Roth Conversion Strategies
- Social Security Analysis
Tax and Cash Flow Planning
Strategic Financial Advice
Retirement Planning
Estate and Succession Planning
Insurance Planning
Investment Management
Business Exit Planning
Estate Planning
Proper legal planning is important for every family, however, the issues that can occur are compounded with owning a successful business. Our goal is to ensure a smooth transition of both your personal and business assets based on your wishes. We will review what you currently have in place and make recommendations to qualified professionals if needed.
Items we review with our estate planning services:
- Personal Estate Plan Review
- Business Entity Document Review
- Account Beneficiary Review
- Power of Attorney Review
Insurance Optimization
Our goal is to make sure you, your assets, your most valued possessions, and your family are all protected.
After we perform a comprehensive insurance analysis, we help you shop the entire market to find the best policy at the best price. We also help you safely unwind insurance policies that were wrongfully sold to you.
We conduct regular reviews for our clients on the following types of insurance:
- Life Insurance
- Long Term Care Insurance
- Auto & Home Insurance
- Disability Insurance
- Umbrella Insurance
- Health Insurance
Investment Management
We will tell you that your best performing asset is YOU. However, when it comes time to step away from your business we rely on savings over your lifetime. Our philosophy is to own low-cost, tax-efficient investments. Morningstar agrees the cost of your underlying investments is one of the best predictors of future returns.
Items we offer with our investment management services:
- Low-cost, diversified ETF Portfolios
- Direct investment management via Altruist LLC
- Tax Allocation & Tax Harvesting
- Professional Portfolio Design