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While we serve clients with a broad array of needs, most of our clients fall into one of four categories.


Starting a family seems to be a never-ending set of challenges, and it’s all too easy to neglect planning for what’s around the corner. When it comes to matters such as protecting the family, many young families fall prey to a common misconception about the role of life insurance, basing their decisions on anticipated needs.

Unfortunately, needs-based approaches rarely provide the long-term support a spouse and children will need in the event that a parent dies unexpectedly. Common formulas that recommend a specific amount of insurance based upon an individual’s level of income fail to account for a family’s unique circumstances, goals, and future opportunities.

A better approach may be to examine the family’s overall long-term financial strategy and identify the changing roles that life insurance and other financial products will serve within that strategy as the family’s circumstances change. It’s important to develop an understanding of each individual’s earning ability as an asset, and ensure that the value of that asset is fully protected in the event of serious illness, disability, or death. That examination also needs to consider other critical factors, such as the use of living trusts to protect the interests of minor children and simplify the transfer of wealth between generations.


People who own and operate businesses may be skilled with the finances involved, but few fully grasp the impact that owning a business has on one’s financial well-being. As a business owner, you choose to spend your entire working life voluntarily forgoing the use of a substantial percentage of your income while hoping for an exit strategy that will allow you to retire comfortably.

Following much of the so-called common wisdom in today’s marketplace will leave you poorly prepared for the reality of retirement income, because most business owners never take the time to learn how retirement income streams actually work.

A better approach is to integrate personal retirement planning strategies into the management of your business. There are a variety of strategies that can simultaneously satisfy the need to preserve the assets of the business while preparing for retirement, and ensuring that both the family and the business are protected in the event of death or catastrophic illness of the business owner.


Retirement may be your ultimate goal, but the decisions you make in the decade leading up to your actual retirement will have a profound effect on the quality of the rest of your life. During the years leading up to retirement, most people make the mistake of focusing solely on building up as large an amount of assets as possible.

A key to achieving financially successful retirement is to develop a realistic understanding of how income streams actually function during retirement years, and then coordinating your pre-retirement planning in a way that ensures that you will have adequate levels of income, strategies to protect you in the event you or your spouse needs long-term care, and additional strategies to protect the integrity of the assets you have accumulated and allow them to support the next generation, as well as personal charitable goals.

When working with pre-retirees, we begin by reviewing the amount and allocation of the assets they have accumulated, and discuss their goals for the years leading up to retirement and after retirement. Once we develop a thorough understanding, we fashion strategies to help individuals pursue their goals, and identify economically sound ways to deploy their assets while establishing future income streams.


Two if the biggest financial challenges facing retirees are maintaining asset preservation while meeting daily living needs, and preparing for the possibility that long-term medical care may be needed at some point.

Traditional methods of funding long-term care such as healthcare-based long-term care insurance policies are changing dramatically. One of the primary reasons many retirees choose not to purchase long-term care coverage is a concern that the money will be wasted if care is not needed. However, there are now long-term care products that are asset-based. These products provide the protection retirees want, while ensuring that if the long-term care benefit is never used, family members or a favorite charity may still receive a financial benefit.

Strategies using these products allow people who have already retired to make sure their assets are able to provide for the lives they wish to lead, pay for any needed long-term care, and ultimately deliver a legacy for future generations or favorite charitable causes.