Investment Review – Taking a close look at your current investments, goals, time horizon and the asset categories in which you’re invested.  Evaluating your tolerance for risk. Making sure your investments are set up to maximize return and minimize risk, up to the level of risk you’re comfortable taking.  If desired, holding regular ongoing investment reviews to keep you on track.

Retirement Projections – Discussing your retirement goals. Determining your expected pension, annuity and Social Security income, your income needs in retirement and your likely expenses. Looking at your current investments, including 401(k) plans and IRAs. Assessing whether you are on track to achieve your goals and if not, what you can do about it.

Education Funding Analysis – Analyzing your college funding needs, possible sources of funding, financial aid eligibility and savings vehicles to meet the desired education goals.

Tax Planning – Reviewing strategies to reduce your tax burden, including looking at your recent tax returns as well as the tax consequences of your investments.  Suggesting investment alternatives, timing of security sales and other techniques to minimize taxes and maximize your after-tax return.

Questions we can help answer:

  • Can I afford to retire?
  • Are the investments in my 401(k) and IRA appropriate?
  • Are there things I can do to reduce my taxes?
  • Do the mutual funds I have make sense for me?
  • How can I help pay for my children’s (or grandchildren’s) college education?