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Smart Planning. For Life.

Total financial life advice, including smart, forward-thinking financial planning, will help simplify and meaningfully improve your quality of life. In order to do this, we need to know more than numbers. We need to know about your situation, your opportunities, your challenges, your aspirations and your financial experience. Once the foundation is laid, we'll work with you to create a financial plan that fits YOUR LIFE. It all starts with an open, friend-to-friend relationship. 

We Can Help You Manage Your Financial Life

Financial Life Management

We're completely dedicated to delivering total financial life advice to you and your family by providing a holistic approach to managing all of the interconnected areas of your financial life. Smart, forward-thinking financial planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. By viewing each financial decision as part of a whole, you can consider its short and long-term effects on your life goals. You can also adapt more easily to life changes and feel more secure that your goals are on track. As you face the inevitable changes of life, we are here to guide you as your financial confidant and advocate. 


We Can Help SuperCharge Your Investments

Tax-Efficient Investing 

Tax-efficient investing is aimed at improving your after-tax return. Most investment returns are measured and presented before taxes. While this is an important starting point, this could be an incomplete picture of your true returns if you are using these investments in taxable accounts. After all, it’s not what you make, it’s what you keep.

Here are some of the ways we can supercharge your investments:

Location Optimization

This is where we place specific asset classes in accounts with unique tax traits. The simplest example is placing bonds in an IRA so that the bond interest isn’t taxable income.

Tax-Loss Harvesting

Capital losses are good forever, until you use them. They offset investment gains to lower, and sometimes eliminate, capital gains tax. For example, if you have realized gains on a securities sale, it can be worthwhile to find and harvest offsetting losses in the same tax year. We take advantage of market swings to lock in losses while keeping your money 100% invested.

Capital Gain Minimization

We sell high cost lots in order to limit the amount of capital gains you incur.

Capital Gain Distribution Avoidance

This may sound counter-intuitive, but you want to avoid capital gains distributions from mutual funds. The share price goes down by the same amount that gets distributed. So all you are getting is a taxable capital gain. This can be avoided if you move to a similar mutual fund without a capital gain distribution.

We Can Help Align Your Portfolio With Your Values

ESG Investing 

Many investors are looking for more than just a positive return. They’re looking for a social return as well. An investor’s moral compass has become the guiding light just as valuation metrics, dividend yields and other traditional stock-picking fair have dominated in the past. Welcome to ESG investing!

What is ESG?

ESG stands for Environmental, Social and Governance. There is growing evidence that suggests that ESG factors, when integrated into investment analysis and portfolio construction, may offer investors potential long-term performance advantages. ESG has become shorthand for investment methodologies that embrace ESG or sustainability factors as a means of helping to identify companies with superior business models. 

ESG factors offer portfolio managers added insight into the quality of a company’s management, culture, risk profile and other characteristics. Understanding environmental, social and governance facets of a company are viewed as pertinent to understanding the company’s ability to outperform its peers. 

If you're looking to align your portfolio with your values, an ESG investment strategy is a powerful tool.

Talk with us to learn more.



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