Our service changes through each phase of your career, family stage, and life.
Tax Planning
A couple with high taxable income had been missing opportunities to reduce their tax bill. Their tax preparer, like many, focused on what happened the prior year, rather than providing tax advice about the upcoming year. In working together, we helped them to:
- Shift the location of their holdings to expand the tax free part of their portfolio
- Implement a charitable strategy that allowed them to claim a larger itemized deduction
- Defer income to a lower tax year
Estate Documents
A married couple had children at home, but did not have an estate plan. We worked together to:
- Identify a guardian for their children, personal representative, and agent to make financial and healthcare decisions if they could not
- Create wills, trust, and other documents using a respected estate planning service
- Update their accounts to coordinate with their new estate plan
Investing
A couple wanted to improve their portfolio. With retirement starting, they would now rely on their portfolio for income. Together we:
- Found and reduced excess risk
- Increased dividend and interest income
- Reduced excess fees and expenses
- Improved long-term expected returns
Retirement
A physician and her husband were contemplating retirement. Together we determined:
- The optimal Social Security timing for each spouse
- Whether to be insured by original Medicare with a supplement or a Medicare Advantage plan
- How much income their assets could generate in retirement
- How to reallocate their portfolio for secure retirement income