Menu of Services

We partner with our clients to help them make wise financial decisions during every stage of life that are integrated with their core values and goals. Whether you consider yourself to be financially literate and wise with money or don’t know what questions to ask and are worried you should be further along financially, we have the tools and expertise to help you make informed financial decisions for growing and protecting your wealth. Our core menu of services includes:

Financial Planning

A strong financial plan can help you get from where you are today to where you hope to be tomorrow. We implement a very detailed process to help you build, monitor, and manage your custom financial plan and align your strategies based on your values, goals, and time-tested principles. Your plan may include:

Budgeting & Cash-Flow Analysis
Goal Setting & Prioritization
Debt Reduction Strategies
Insurance Analysis & Planning
Investment & Portfolio Management
Income Distribution Planning
Retirement Planning
Education Funding
Tax Planning
Estate Planning

Rather than focus on products or one variable of the financial equation, we focus on strategies that help you grow and protect your wealth while addressing each area within the broader context of an integrated and holistic plan. Financial planning services are provided through our RIA, Financial Advocates Investment Management as a fee-based service independent and separate from fee-based asset management services. Situational or comprehensive financial plans can either be engaged on a one-time fee bases or through on-going annual retainer fees to accommodate initial and future plan updates. Customary financial planning fees are waived, however, for those investment advisory clients who retain us to provide discretionary fee-based asset management services on household investment accounts totaling $750,000 or more.

Insurance Planning

As important as it is to plan for tomorrow, it's also crucial to protect yourself today. Our insurance solutions will help you protect your business, family, and more. These products include:

Individual Term & Permanent Life Insurance
Long-Term Care Insurance
Individual Long-Term Disability Insurance
Survivorship Life Insurance (Estate & Liquidity Enhancement)

As independent agents, we represent you and your family’s insurance needs. Let us shop the market for you and save you time and money. We will assist with carrier selection, coverage and product analysis, provide streamlined quotes from top-tier carriers, coordinate and manage the application process, and service in-force policies. Contact us today to learn more about how our experience, dedication, and independence can help you and your family reach your current and future financial goals.

Investment Planning

Investments are an important part of every financial plan and provide the tools to help you grow your balance sheet and future income stream. Our most common investment planning services include:

Discretionary Fee-Based Investment Advisory Accounts
Portfolio Design: Asset Allocation, Investment Selection, On-going Management
Core Holdings: Index-Based, Factor-Driven, Global Diversification
Low-Cost Institutional Mutual Funds, Exchange Traded Funds (ETFs), Indexed Funds
Tax-Sensitive & Custom Portfolio Designs for Individual, Joint, Trust, & Corporate Accounts
Risk Management: Strategic allocation of multiple asset classes, optimal diversification (up to 12,000 securities across 40 countries), and optional security factoring tilts such as value, profitability, and small-capitalization premiums
Tax Harvesting & Third-Party Overlay Management of Portfolio Models

We enjoy studying the markets and time-tested investing principles and passing this knowledge along to our clients, so they have a better investment experience. Contact us today for a free portfolio review and to learn more about our investment philosophy and process.

Retirment Planning

In today’s landscape where company pension plans are a thing of the past and Social Security reforms being debated, workers are bearing a greater burden of the responsibility for their retirement savings. Prudent investors will need to utilize a combination of strategies outside of Social Security, a closely held business, or an employer-sponsored qualified plan to meet their retirement goals and provide greater tax planning opportunities. These supplemental strategies include the following:

Traditional & Roth IRAs
Rollover IRAs
IRA-to-Roth IRA Conversions
SEP IRAs
Simple IRAs
Non-Qualified Plans
Individual, Joint, Trust, & Corporate Accounts
Social Security Optimization
Retirement Income Distribution Strategies
Pension Maximization

Today, we have a myriad of options to help each of us prepare for the golden years. Contact us today to find out more about our retirement planning services.

Business Planning

For most business owners, your retirement is your business. As a result, you've hopefully taken the first step in protecting your most valuable asset should you die or become disabled. While continuity planning is critical and should continuosly be reviewed, strategic business planning can expand into other areas that will benefit shareholders, executives, and labor force alike while also leveraging potential tax benefits too! Our main business services provide analysis and guidance around the following areas of interest:

Employee Benefits
Executive Benefits
Succession Planning
Corporate Retirement Plans

Visit our dedicated Benefits & Business Planning page to learn more about how a robust benefits package can help you increase the value and success of your business!

Estate Planning

Establishing an estate plan as part of your comprehensive wealth plan can be one of the most effective ways of lowering estate taxes, while providing for your family and leaving a legacy for the future. We offer the following estate planning services:

Coordinate with your attorney, accountant, beneficiaries, and trustee to implement your estate plan
Re-title assets to mitigate estate tax liability and avoid probate
Long-Term Care: Expense planning to protect estate and provide flexibility in the type and level of care desired
Legacy Planning: Transferring assets, personal possessions, and key values and beliefs; Estate Enhancement techniques
Charitable and other gift strategies
Estate tax & liquidity considerations
Trust considerations

Contact us today to learn more about how our experience, dedication, and independence can help you and your family reach your goals.