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Services

We work closely with individuals and business owners to help them achieve their financial goals. Clients receive objective advice in conjunction with a holistic approach that analyzes the core pillars of their financial picture.

Investment Consulting

Insurance Program

Advanced Planning

Relationship Management

Investment Counseling

For individuals, we put together an investment policy statement based on their time horizon, risk tolerance, and knowledge/experience.

  • Brokerage
  • Managed Accounts
  • Written Financial Plans
  • Asset Allocation
  • Asset Location
  • Withdrawal/Distribution Strategies
  • Stock Concentration
  • Review & Manage Investments Held Outside the Firm (401k, 403B, employer sponsored plans, as well as other accounts not custodied via WCAP)
  • IRA contributions and Conversions
  • Social Security and Medicare
  • RMDs
  • Direct Indexing Strategies

For Businesses, we work with the owners, and their team to help them Recruit, Retain, and Reward employees.

  • Retirement Goal Setting
  • Employer Sponsored Retirement Plans
  • Annuities and Pensions
  • Deferred Compensation
  • Self Employed Retirement Plans
  • Business Planning

Insurance Program

We work closely with all the insurance companies to determine which products solve our client’s asset protection needs.

Life Insurance

  • Term Life Insurance
  • Whole Life Insurance
  • Universal/Indexed Universal Life Insurance
  • Variable Life Insurance
  • Private Placement Life Insurance

Disability Insurance

  • Individual programs
  • Group DI programs
  • Business Overhead 
  • Buy/Sell Arrangements

Long Term Care Insurance

  • Traditional coverage
  • HSA accounts
  • Return of Premium LTC
  • LTC riders in life insurance policies.

Advanced Planning

Cash Flow and Budget

  • Expenses and Budgeting
  • One-Time Expenses
  • Debt Management
  • Planned Large Expenses
  • Emergency Funding
  • Dollar Cost Averaging
  • Mortgage Review
  • Lines of Credit

Income Tax Planning

  • Review of Cost Basis
  • Review of Realized Gains
  • Carry Forward Losses
  • Tax Loss Harvesting
  • Deductions and Credits
  • Potential Roth Conversions
  • Health Savings Accounts

Assistance to Loved Ones

  • Gifting
  • Education Planning
  • Care for Elderly
  • 529 Savings Plans
  • Roth IRAs for Children
  • UTMA/UGMA

Relationship Management

You are the CEO of your life. We act as your CFO, helping to manage all the different aspects in your life to achieve all that is most important to you. We work closely with a team of professionals including attorneys, CPAs, Property/Casualty and Mortgage specialists. We do not receive any compensation from those professionals we recommend. We choose to have no conflicts of interest and pride ourselves on open communication and transparency.

We get compensated on a quarterly basis either billed directly to your card, or as a percentage of the assets we manage. The quarterly fee amount comes directly from each of the accounts we manage. Our minimum fee is $125/month, billed quarterly. This goes into effect if a client has less than $100,000 in assets under management. If we do engage and help with any insurance planning such as Life, Disability, or Long Term Care Insurance we will get compensated from the Insurance companies that we choose. For some insurance product lines, we can choose to bill a brokerage account on a quarterly basis to receive compensation for insurance analysis.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.