What we do: We strategize to maximize your resources– this will help you create the lifestyle you want!

·       Projecting and planning your cash flow

·       Efficient savings strategies

·       Debt reduction

·       Maximizing your work benefits

·       Equity compensation analysis - Restricted Stock Units (RSUs), Incentive Stock Options (ISOs), Employee Stock Purchase Plan (ESPP), etc.

Some questions we help answer

• What is the best way to adjust my financial plan when I get married, have a child, or other life changes?

• Should I save in my regular savings, 401(k), Roth, or other account and how much should I contribute to each?

• When are my RSU shares vested? How will my RSUs affect my income tax and what can I do to minimize my tax liability?

• Should I use my ESPP benefits and how much should I invest?

• What benefits should I select in my workplace?

• If I were to lose my income, could I maintain my current lifestyle?

What we do: We analyze your situation and strategize and plan for the short and long term, so you maximize what you keep in your pocket

·       Income tax review and analysis

·       Tax projections and tax strategies for the short and long term

·       Tax-efficient contribution and distribution strategies

·       Roth IRA strategies

·       Strategies to offset tax gains with losses

Some questions we help answer

• Am I paying more taxes than I should be? How much will I owe in taxes this year and what strategies are available to me to reduce my tax bill?

• What will my income tax look like in the long-term and what strategies are available to me now or later to minimize my tax liability during my lifetime?

• How are my investments gain and loss taxed and what is the best strategy for my gain and losses?

What we do: We help you define your goals and dreams and bring them to life!

·       Planning for your retirement based on your goals

·       Tax-efficient ways to contribute and distribute from your retirement funds

·       Pension and other retirement package election analysis

·       Net Unrealized Appreciation (NUA) analysis and planning

·       Social security planning

Some questions we help answer:

• How can I plan my finances to have a better work/life/family balance now and in the future?

• What actions do I need to take to enjoy a sabbatical, start a business, or make some changes in my life without compromising my financial goals?

• When can I retire maintaining my lifestyle without running out of money?

• When and how much can I contribute or distribute from my retirement accounts in a tax-efficient manner?

What we do: We create a plan to protect your wealth while alive and to transfer it efficiently to those who you love most, mitigating any potential risks and taxes.

·       Family wealth transfer planning - review or create new estate plan in conjunction with your estate attorney

·       Strategies for tax-efficient assets transfer to heirs

·       Estate tax analysis and mitigation strategies

·       Gifting strategies

Some questions we help answer:

• What will happen to my assets and my family if something happens to me?

• How can I ensure my family is protected and taken care of?

• How can I give to causes I care about in the most tax-efficient manner?

• How much can I gift assets to my family now without tax consequences?

• Will I be subject to estate taxes and how can I minimize my liability?

• Do I have to pay taxes on assets I inherited?

What we do: We invest your money using tax efficient and low-stress strategies. With a portfolio based on decades of academic research, you can relax and watch your money work for you.

·       Designing a tax-efficient investment portfolio

·       Assessing and managing your investment risks

·       Ongoing portfolio maintenance and rebalancing

·       Guidance on employer retirement plans

·       Fixed and variable annuity analysis

Some questions we help answer:

• How should I allocate my portfolio? And what type of assets should I buy in each account? What investment options should I choose on my 401(k)?

• Should I invest in the stock market or buy real estate? Should I sell my real estate investment property or keep renting it?

• How much should I invest in my ESPP plan?

• Should I buy or surrender an annuity?

• Am I eligible for a 1031 or other tax-free exchange for my real estate property?

What we do: We project and plan for future college needs and create a plan to pay off your college debt

·       Forecasting and planning for college expenses

·       College savings plans contribution, distribution and allocation strategies

·       Student loans analysis and debt repayment strategies

Some questions we help answer:

• What is the best way to pay off my student loans?

• How much should I save for my kid’s college?

• Should I invest in a 529 account, Roth IRA, or use other options?

What we do: We create tax-efficient strategies to donate to your favorite causes

·       Tax-efficient donation strategies

·       Tax-efficient family gifting strategies

Some questions we help answer:

• Am I donating in the most efficient way?

• How can I support causes I care about now and/or when I am no longer around?

What we do: We help protect the wealth you are building by looking for the right insurance coverage at the lowest cost

·       Property and casualty (home, auto, rental properties, etc.) liability exposure analysis and protection

·       Life insurance strategies

·       Disability insurance strategies

·       Health insurance and Medicare planning

·       Long-term care insurance needs planning

Some questions we help answer:

• Is my personal and real estate property properly protected from unexpected events and liabilities?

• How can I make sure my family maintains our current lifestyle if something happens to me?

• Should I buy a term or permanent life insurance policy?

• How can I protect my income if I suffer an accident?

• How do I plan for long-term care benefits in the future?

• What insurance plan should I choose from my work benefits?

What we do: Your business is a key wealth-building asset. We ensure it has an efficient structure and compensation strategy, protection against unexpected events, and a transition plan for your next chapter.

·       Business structure analysis

·       Compensation strategies

·       Retirement plans and employee benefits guidance

·       Succession planning

·       Business protection and liability mitigation strategies

Some questions we help answer:

• How should my business and personal cash flow align with each other?

• How can I use my business accounts efficiently?

• I want to create a retirement plan for me and my employees, what are my options?

• Is my business properly protected for liabilities?

• How can I put a plan in place to effectively transition my business?

What we do: Anything else affecting your financial life!

·       Mortgage analysis and strategies for efficient repayment, reverse mortgage analysis

·       1031 exchange strategies

·       Real estate rent vs sell analysis

·       Unclaimed property searches

·       Collaboration with your professional team – attorneys, accountants, CPAs and others

Some questions we help answer: Anything related to your personal financial life!