Who We Serve
How We Help
For over 25 years, we have been committed to helping improve the financial well-being of our clients. Whether you’re an individual, family, business owner or in a life-changing period of your life, we are here to provide professional portfolio management. We stay connected with you as financial markets change and your financial goals evolve. Our process is transparent as we strive to help you make informed investing decisions to accomplish your long-term objectives.
Families
Retirement
Business Owners
Tax Planning
Charitable Giving
Families
Our lives are a series of transitions and changes. As we go through life, we recognize that life events can have significant financial and emotional impact. We are committed in helping our clients successfully tackle life’s challenges through professional portfolio management. Here are some life events where we can help:
- Getting married
- Starting a family
- Death of a loved one
- Inheriting wealth
- Changing careers
- Getting a divorce
Through careful planning you can tackle these challenges and let yourself live your life by design rather than by default.
Business Owners
Building a business is a valuable asset and now you’re ready to reap the rewards of your hard work. Whether it is retirement income, wealth management or leaving behind a charitable legacy, we are here to help you. There are obvious aspects that business owners must think about such as their taxes and business finance structure. For many years, we helped business owners with these objectives with a tailored portfolio solution that fits into their overall business plan.
Charitable Giving
One of the greatest benefits to proper planning is the freedom it provides to give back to your community or charitable cause. Many of our clients seek our assistance in transferring a portion of their wealth to institutions or a particular cause of their choosing. We help clients think through tax implications of charitable donations as well income strategies. Gifting appreciated assets can eliminate capital gains tax for both you and the charity to which your donation is applied.
Retirement
Congratulations! Whether you are in retirement or getting close, retirement is a big task. No matter much we strive to prepare for retirement, it doesn’t always go “according to plan”. Many times we shutter at the thought that our hard-earned savings diminish when the markets change. We are comitted to help you hedge against risk and optimize returns. It’s time to talk about important considerations like how you will withdraw from your retirement savings, structure your portfolio, generate income or even make emotional decisions that will impact your retirement based on how you want to live throughout retirement. Communication is critical during this period of your life and we’ll be in touch often to help you through this life-changing experience.
Tax Planning
You don’t have a choice about paying taxes, but you can avoid making the mistake of overpaying them. Tax planning helps to lawfully structure your income and take advantage of the adjustments, deductions, and credits for which you qualify so that you pay only what you owe when you owe it. Our unique wealth management style is that we understand the impact taxes have on you emotionally and financially to find the best solution.
Frequently Asked Questions
I am getting ready to retire. What should I do next?
- We will help you outline the steps you need to take to be prepared for retirement.
- Our analysis will help you with the income you need to live the life you can afford while in retirement.
Why a Family Trust?
- Avoids the expense and hassle of the probate pr0cess.
- Allows quick and easy access to estate assets by heirs without litigation and delays.
- Avoids forced liquidation and cumbersome title transfers of individually owned assets.
- Allows you to have control on how assets are to be distributed to heirs.
- Manage affairs efficiently when facing old age or complicated health problems.
I'm getting ready to sell my business. What should I do next?
- Tax strategies will help minimize the taxable burden you will face when selling a business.
- There are certain account types you can utilize to help reduce the taxable income you will receive.
- Selling a business does not end once it is sold. Having long-term plan with the proceeds of the sale will impact you for the rest of your life. Knowing how to preserve that wealth doesn’t have to be difficult.
How do I make sure that my retirement funds will last?
There are various strategic guidelines that we can look at such as:
- The 4% rule
- Professional investment management
- Guide you through the steps you need to take to be prepared while you are in retirement.
When should I start taking social security for retirement?
The amount of your social security benefit is based off when you start receiving the benefit. Our clients look to us for help to help them optimize their social security benefit while maintaining their lifestyle.
How much money should I have in my emergency fund?
It depends! It depends on your current lifestyle and what expenses you wish to cover in case of an emergency. A basic emergency fund should at least cover 3 – 6 months of monthly expenses.
How do I minimize the taxes I pay for my business?
There are many different tax breaks that apply to businesses. As an Enrolled Agent with IRS, we are able to analyze your business operations and financial situation to help provide recommendations to improve your tax situation.
Should I open a Health Savings Account?
A Health Savings Account provides some of the greatest tax breaks. A HSA allows you to save tax-free for qualified medical expenses and sometimes benefiting from a tax deduction. Saving for healthcare now or for retirement is a critical component to a financial plan due to rising healthcare costs. A healthy male-female couple retiring at age 65 in 2019 can expect to spend $285,000 on health-care expenses in retirement, according to Fidelity Investments’ annual analysis.
Looking for help managing your finances?
We are at your service!
Our Team
Alan G. Cutler
Chief Executive Officer
MBA, EA
Bob Winder
Chief Investment Officer
Paul Maxfield
Operations Manager
Attorney
Caden Armstrong
Office Manager
Stay Tuned. Sign Up For Our Blog!
If you have liked what you have learned about our services and would like to learn more, sign up for our blog. This is a collection of frequently asked questions and important topics that are most important to our clients. Fill out your information to have FREE access to our blog.
