Menu of Services
Investment Management
As a Registered Investment Advisor, we act as a fiduciary, meaning always in the client's best interest, when managing investments. We take your goals and objectives into account to create a personalized investment management strategy. An investment portfolio may contain individual stocks, bonds, mutual funds, exchange-traded funds, money market funds, CDs, structured notes, or options contracts.
Financial Planning
When developing a financial plan, we first create a profile in our planning software called WealthVision. This allows us to organize all of your accounts and other assets onto one centralized online location. From this platform, we can project your income needs and expenses for now and in the future, perform asset allocation analysis, cash flow analysis, and develop withdrawal strategies for retirement.
We review your profile with you in regular meetings and make updates as your life changes. As you near retirement, we can perform social security optimization calculations to determine the best time for you to start taking your benefits. We also have a decision center where we can build custom "what if?" scenarios to help make life decisions like large purchases or deciding a retirement date. You are able to access your personal financial website at any time to track your overall financial progress and we can enable your accounts balances to update daily.
Retirement Planning
We review personal and employee sponsored retirement plans and analyze your accounts to determine if your allocation and contributions align with your goals and objectives. We also explain all choices available to you when deciding what to do with your retirement plan. For our clients that have pensions, we review those plans and incorporate those income streams into their WealthVision profile.
After a client reaches age 72, we review our client's retirement accounts annually to make sure Required Minimum Distributions are being taken.
Tax Planning
At the end of each year, we review accounts and look for opportunities to employ gain and loss harvesting strategies and tax minimization strategies from the investments in the portfolios. We work with our client's accountants during tax season and answer questions when necessary and after receiving permission from the client for a smoother process when filing tax returns.
Estate Planning
We assist our clients through all stages of estate planning. We will review any current estate planning documents and work with our clients to make sure that the beneficiary designation aligns with their wishes. We also want to make sure our clients have all of the necessary estate planning documents in place.
We help our clients meet their gifting, college planning, and charitable giving goals through a variety of strategies.
We plan and work in the settlements of estates and collaborate with clients and their attorneys to assist in the distribution process.
Risk Management and Insurance Planning
We review and analyze client's current life insurance policies, annuities, and long-term care policies. Both Kurt and Kate are licensed life insurance agents, and when there is a need or desire for insurance, an annuity, or a long-term care plan, they can find the best available policies.