Develop a customized financial plan to help integrate all aspects of your finances.



While dreams require imagination,
achieving them requires much more.

Financial Planning

While dreams require imagination,
achieving them requires much more.

Do you picture yourself owning a new home, starting a business, or retiring comfortably?

These are a few of the financial goals that may be important to you and each comes with a price tag attached. Our all-inclusive view goes beyond investments. Working closely with you, we develop a customized plan to help integrate all aspects of your finances.

We Help Clients With Financial Planning

We help assess your current situation, including assests, liabilities and cash flow. We work closely with you to identify and prioritize your goals. We then develop a road map to help you consider your future options and optimize your financial security. Additionally, we quarterback with your advisory team – including accountants, attorneys, mortgage brokers and bankers – to ensure seamless execution of your plan.

Warren Buffet, one of the most famous American investors, began his career at the age of 11 when he purchased three shares of Cities Services Preferred. In a regular “rags to riches” story, Buffet eventually opened his own investing company with money from friends and family. Within ten years, Buffet Partnerships stocks were up 1,156 percent and Buffet was worth almost $7 million. By planning for the future and using his investment gain wisely, Buffet has increased his net worth to $47 billion dollars, making him the third richest person in America.

Many of us have the opportunity to make it big over our lifetimes, just like Buffet. In fact, many Americans have already started. Millions of Americans invest in the stock or bond market to help achieve their long-term financial goals. With a large number of Americans investing and reaping the benefits of financial investment, it is important to understand how to handle a significant investment gain when it happens. However, the average American is unsure about what to do with funds gained and how to ensure growth in the future. As a result, many miss perfect opportunities to save more for their future. Don’t be one of these unknowing and unfortunate people. When financial gains come your way, use your head to capitalize on the growth and stimulate your portfolio. With intelligent and proactive planning you too may one day be on Forbes’ 400 List.

It was October 29, 1929. Black Tuesday. Wall Street was in a panic, investors anxiously watched their stocks, and bankers quickly calculated their losses. In that single day, American common stocks lost a tenth of their value. It was the beginning of what would come to be the most famous bear market in American history, the Great Depression. During this period, the Dow Jones Industrial Average posted a 90 percent loss of its value, corporations closed their doors, and Americans were left without jobs, money, and goods.

Downturns in the market are an unavoidable reality for the economy. Though not as strong as the Great Depression, bear markets have shown up in 1973, 1981, and across the twentieth century. Who can forget the more recent memory of 2008?! What does this mean for the average American? In many cases, people have seen their investments (from their stocks to their homes) plummet in value as the market slowly (or quickly) turned downward. However, such losses are not only tied to how the entire market is doing. For some, losses result from bad investments, poor stock tips, and other foolish reasons.

There is much that the average investor can do to bounce back after a significant loss. You do not have to rely on luck nor do you need to pull all your investments out as soon as possible. Methodical research, careful planning, and sound investing will be invaluable in correcting your losses. If you are facing investment loss, it’s time to review, recalculate, rework, and hope for the best.

You’ve won! In your wildest dreams you never thought that lottery ticket from the neighborhood quick mart would turn out to be a million dollar winner. Riches await you! But wait, how are you going to handle all that money?

Every year millions of Americans grapple with that very question. Some are lucky enough to win it through lotteries, games, and betting. Others make their riches in the stock market or through investments. Still others are the beneficiaries of gifts and inheritance from family members.

Despite the diversity of causes, a financial windfall is always welcome. However, it is not always easy to manage. A drastic increase in your income in a short period of time will change your tax bracket and may wreak havoc with your career and your personal relationships. You will also have to handle changes in your assets, your investment plan, and possibly new expenses in your life. A lot of money creates a lot of responsibility and the many decisions you will have to make can become overwhelming.

Don’t let a financial windfall take control of your life or let it get out of control. Make the most of your circumstances by jumping into the driver’s seat and setting a course for continuing financial security.

With more money at your disposal, you may decide to use a new investment strategy. Many people decide to invest their wealth in stocks, bonds, or other interest accruing entities. This strategy will allow you to gain even more on what you have recently acquired. If you are new to investing or have never invested large sums before, it would be wise to seek professional help.

Receiving an inheritance can be a wonderful blessing. It can also be very stressful and accompanied by feelings of guilt and responsibility. You may want to make sure that you honor the person’s legacy who left the money to you, but you don’t know how. We can help you be an effective steward of your family’s wealth.
The financial plan we create for you will give you the clarity and direction you need in order to manage your inheritance responsibly.

The phone rings. It is your best buddy from college with a hot tip on a stock he has just sunk his life savings into. “Believe me, it is going to go up and up and up,” he tells you.

Do you:
A) Drop everything, get your broker on the phone, and tell him to follow your friend’s lead.
B) Hit the Internet to find out all you can about this supposed hot stock before doing anything.
C) Or, simply thank your friend for his advice, chuckle at his optimism, and do nothing.

The answer you choose will largely depend on your investment philosophy, the amount of risk you want to assume, your current financial situation, and your personal style. However, for the majority of people the best option would be B. Hasty decisions may only lead to disaster while sitting on your hands will not help you move forward. A middle of the road course is probably the best choice.

No matter who the tip comes from, considering an investment opportunity is an important decision whether it involves buying stocks, putting money into a new company, or purchasing precious metals or valuable property. You should take time to research all aspects of the venture, take stock of your current situation, and make a well-informed decision. Taking such steps beforehand will go a long way in ensuring that the investment is a profitable one.

At one point in your life you probably developed some sort of investment philosophy. Maybe it was when you got that first job, when you went away to college, or when your first child was born. However, time has passed and things have changed. The market has fluctuated and your needs may have shifted to new areas. It’s time to go back to that plan and readjust. “Readjust?! But I thought investments grew on their own and I could simply reap the benefits and wait to cash in.” Investing is not a hands-off activity. Unless you count on being lucky all the time, you will have to periodically reevaluate your investment philosophy and the amount of risk you have taken on. Some people wait until major changes in their lives or in the market force them to take a look. However, you should check up on your plan periodically (once or twice a year). Those who take such proactive steps may see problems coming and can make adjustments. In addition, regularly reconsidering your philosophy helps your investments stay in synch with your life.
very year millions of American’s open the “house-for-sale” section of the paper to search for that dream home. They scour print announcements, hire real estate agents, and hunt for signs around the neighborhood. Then it is off to home shows and open houses to find that perfect place. Despite the overwhelming amount of work and time, most are successful in their search. They will find the best downtown condominium or country cottage, newly constructed modern floor plan or historic dwelling, their ideal suburban subdivision or a peaceful oceanfront view.

Regardless of style or location, for most people the largest and most gratifying purchase of their lives will be a home. It will become a place to live, the roof over their heads, and a proof of their accomplishments in life. Houses are more than just buildings, they become the center of our families and the place where memories reside. For these reasons, a home purchase should not be approached on a whim. Careful planning will ensure that the home is right for you, that it is a good investment, and that it will last you and your family as long as you want it to.

We can help you analyze your real estate holdings and act as a sounding board to help you make smart decisions. We’ll also review your insurance coverage to make sure you’re properly covered. We can coordinate with your existing real estate professionals or introduce you to others.

In spite of the low rates, refinancing your home mortgage at a lower interest rate is not always the best decision. Before making a decision to refinance, it is important to figure out what you would like to accomplish. Do you want to reduce the monthly interest expense or reduce the monthly payment (by extending the loan)? Or do you want to consolidate your first mortgage and a home equity loan into one payment? Or do you want to get out of that adjustable-rate mortgage? Once you’ve answered those questions, it is important to evaluate if the timing is right for the new loan. It is important to look at how long you plan to be in the house to see how long it will take to recoup the closing costs that you will have to pay. By getting a lower interest rate but increasing the term, you can actually spend more in interest. Take the time to evaluate if now is the best time to refinance. There are many tools available online (such as home mortgage refinance calculators and websites) to help you make this important decision.
our house has seen you through the wonderful, sad, momentous, and joyful moments of your life, but now it’s time to say goodbye. Your family may have grown out of its space or you may have been offered a job across the country. Regardless of the reason, you now face the task of selling your home.

Before putting up that “for sale” sign, it’s a good idea to look into the current housing market in your area. As we have all seen in living color, these numbers often fluctuate by season and respond to economic changes.

You will also have to decide whether to sell the house independently or with the help of a professional. Approximately 14 percent of homeowners successfully navigate a home sale on their own. Others choose to list their property with one of the many real estate services that are challenging conventional brokerage firms (i.e., agencies that charge a flat fee instead of a commission). The remainder turns to one of over two million licensed real estate professionals in the US. One thing they all have in common, though, is thorough research, a clear plan, and definite goals for the future. Although it may be hard to say goodbye to all those familiar spots and old memories, you too can sell your house with the right planning and a positive attitude.

Every day, thousands of stocks change hands on Wall Street; precious metals are sold, bonds traded in, and real estate put on the market. Each day millions of financial transactions take place as assets are sold and traded.

What makes them choose to sell? Why sell now? How do they choose which assets to let go of first? Selling assets is not something done on an impulse. It involves careful research, thoughtful planning, and almost perfect timing. With the help of market analysts and financial advisors, many individuals are able to walk away from a sale with money in the bank. In fact there are a number of notable sales in history.

For example, the original eleven investors in Ford Motor Company eventually sold all their stock to Henry for $75 million dollars at the turn of the century. With a loaf of bread costing five cents imagine how much money that translated to back then!

Though it may seem that all eleven made it out with riches, some did make more than others. One of the first to sell, Charles Woodall, only made $5,000 off his sale in 1906. If he had held out thirteen years, his portion would have been worth $12 million.

Woodall is a perfect example of why careful planning and research is of the essence when selling any asset. It’s all about structure and timing, two tasks you can tackle with the advice below.

Concerned about debt? You should be. In a recent study by the Center for Financial Services Innovation, half of Americans said their expenses are equal to or greater than their income. “Revolving” credit, which most typically involves credit cards, is an increasingly significant part of the equation. According to the Federal Reserve Bank of New York’s Household Debt and Credit report data, Americans’ total credit card debt hit $905 billion in 2017 – an increase of 8% from the previous year. And the total US consumer debt? $12.96 trillion. But why all the debt, and why now? Most of the motivation for American overspending came from the economic climate of very low interest rates, a highly active housing market, and extending credit to consumers with weak credit histories.

This means more consumers with more plastic and more loans. Student loan debt is also on the rise as families continue to place a high value on children earning a college degree. According to a recent report by Experian, balances on college loans have increased by more than $833 billion in the last decade to $1.4 trillion. The average outstanding balance is now just over $34,000. And the Consumer Financial Protection Bureau reports that the percentage of borrowers who owe $50,000 or more has tripled over that same period. If you are struggling with debt, realize that you are not alone. There are hundreds of resources (books, websites, and organizations) geared directly towards helping you resolve your credit issues. Even though the future may look bleak in the shadow of debt, there is help around the corner if you take the necessary steps and work towards smarter spending.

Let us help you identify your various income sources and your spending patterns to optimize your current lifestyle and future planning. This cash flow analysis helps ensure your spending is sustainable to support your secure retirement.


You Dream. We Deliver. Together.

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