Services for Professionals

What is important to you? What are you looking forward to, whether next month, next year, or 10 years from now? We take the time to learn what makes you tick in order to identify and understand your goals. We then provide personalized financial planning tailored to your specific objectives, income, risk tolerance, values, and family situation. During our financial planning process, we work with you to evaluate and explore available options that may be beneficial to you, establish effective strategies, and construct and execute a plan. After this, we continue to work with you to assess the performance of the plan on an ongoing basis, and make adjustments as needed.

^*Services offered through Joel's affiliation with Eagle Strategies LLC, a Registered Investment Adviser.

What are your hopes and goals for the future? Do you aim to travel or spend more time with your family and friends? Or, do you hope to be more involved in charitable causes and volunteer work? We will work with you to map out a strategy for achieving your goals. Our comprehensive approach is designed to assess the myriad of options available and help you to implement an optimal accumulation or retirement income strategy. We do this by leveraging investment programs ranging from separately managed portfolios of stocks and bonds to mutual funds, to third-party wealth management programs^*, and, when appropriate, insurance solutions. We then monitor your plan on a continual basis, and adjust as your needs change and evolve. Our process provides consistency with your strategy and helps ensure your investments are managed according to your goals, risk tolerances and time horizon.

^*Services offered through Joel's affiliation with Eagle Strategies LLC, a Registered Investment Adviser.

What is your view about risk? Managing your investments requires that we have not only a clear understanding of your overall objectives, but also your thoughts regarding risk. To help you meet your goals, we draw upon our comprehensive investment advisory capabilities to develop a disciplined investment approach that looks beyond a traditional asset allocation strategy. This comprehensive approach allows us to incorporate important factors into your investment management strategy, such as: your comfort level with risk, your desired scope of diversification, your preferences regarding socially-responsible investing, and your investment time horizon.

^*Services offered through Joel's affiliation with Eagle Strategies LLC, a Registered Investment Adviser.

We offer a consistent process to help ensure clients are able to meet their goals and have a clear path forward. We work with our clients to assess cash flow needs and desired spending so they have a clear picture of their financial situation.  Then, we work with them to design and implement a comprehensive income strategy to meet their objectives.

A well-engineered estate conservation plan can minimize tax liability, ensure that loved ones are protected, and prevent creditors or inheritance disputes from eroding the value or impact of what you have built and hope to pass on. We will work with you and your other advisors to assess the impact on your estate of family dynamics, state and federal tax rules, and your philanthropic wishes. From there, we will suggest strategies to help minimize taxes while meeting your personal objectives and family needs.

^*We do not provide tax or legal advice. Please consult with your own advisors for tax and legal advise.

Is insurance coverage important given your situation and, if so, how much coverage is appropriate? Have you wondered whether your current coverage is sufficient or actually too high? With so many possibilities available today, picking the right insurance coverage can be a complicated and frustrating task. Depending on your situation and the course life takes, having an appropriate insurance strategy can make or break your business, your lifestyle, and even your personal reputation. The right plan can protect you, your family, your assets, and your name when an unexpected turn of events occurs in life, or a liability arises over the course of your career.

Our team specializes in insurance planning and can assist you with choosing the correct type of coverage for your unique situation or business specialty.

^*We do not provide tax or legal advice. Please consult with your own advisors for tax and legal advise.

Have you ever known someone who was involved in a lawsuit? Unexpected and life-changing events (such as: divorce, lawsuits, liability claims, and more) can happen at any given moment and they may severely impact the assets you have worked hard to accumulate and build. There are numerous financial strategies that can help you accumulate assets for the future. As part of your strategy, however, it is also important to consider methods to shield your business and personal assets from liabilities, as well as safeguard assets you hope to pass to children and grandchildren. We will work with you to determine if there may be strategies available which could protect your assets, given your specific situation and objectives.

What keeps you up at night? Have you known someone who was unable to work due to an injury or illness or, perhaps, needed assistance later in life? Depending on your situation, appropriate insurance coverage may be important to ensure your lifestyle remains intact, even if life takes an unexpected turn. We will help you to determine whether self-insuring or insurance coverage is the best approach to protect you, your assets, and your family against an unexpected turn of events in life.

Our team specializes in planning for disability and extended care needs and can assist you with choosing the correct type of coverage for your unique situation.

^*Products available through one or more carriers not affiliated with New York Life Insurance Company, dependent on carrier authorization and product availability in your state or locality.

What is important to you beyond investing? Charitable planning allows you to support the organizations and causes that matter to you, while often providing immediate income streams to you and reducing your tax burden. A number of different charitable giving strategies exist. We can help you design and execute a charitable giving strategy aligned with your personal and philanthropic goals. Since tax considerations are integral to charitable planning, please seek tax advice from your own tax advisors. We will work as a team with you and your tax advisors to implement a charitable plan that is right for you.