Life brings changes.
We bring guidance.
Through every transition and milestone, we’re here to help you navigate the financial decisions that matter most.
Who we serve: Beneficiaries of estates, business owners after sale, lottery/settlement recipients, anyone experiencing sudden significant wealth.
this money?"
- Immediate tax planning and optimization to minimize current and future tax burdens
- Investment strategy development for new assets that aligns with your goals
- Integration with your existing financial plan to create a cohesive strategy
- Estate planning updates to reflect your changed financial circumstances
- Emotional support and patient guidance during this significant life transition
Sudden wealth can be both a blessing and a burden. We understand that inheriting money or receiving a windfall often comes with complex emotions and overwhelming decisions. Our team provides the steady guidance and expertise needed to make thoughtful decisions about your new financial situation, ensuring these assets enhance rather than complicate your long-term financial security.
Who we serve: Professionals, typically 10+ years from retirement, business owners planning exit strategies, anyone approaching or already in retirement.
- Comprehensive retirement readiness analysis to answer "Will I be okay?"
- Income replacement strategies and withdrawal planning to make your money last
- Social Security and pension optimization to maximize your benefits
- Healthcare and long-term care planning for unexpected expenses
- Portfolio rebalancing from growth focus to retirement income generation
With nearly a century of experience guiding clients through retirement, we understand both the financial and emotional aspects of this major life transition. Our comprehensive approach addresses not just whether you can afford to retire, but how to do it with confidence and peace of mind, knowing your plan is designed to support the retirement lifestyle you’ve worked hard to achieve.
Who we serve: Young couples, new parents, growing families, anyone preparing for or adjusting to parenthood.
- Budget adjustments and cash flow planning for new family expenses
- Estate planning with minor children, including guardianship considerations
- Tax planning strategies that account for your changing family situation
- Life insurance and disability protection analysis to protect your family's financial future
Starting a family brings joy and new financial responsibilities. We help you navigate these changes by ensuring your family is protected financially and that you’re building a solid foundation for your children’s future. Our guidance helps you balance current needs with long-term goals, giving you confidence that your growing family is financially secure.
Who we serve: Newlyweds, individuals going through divorce, families combining households, anyone navigating significant relationship transitions.
- Asset division analysis and strategy during divorce proceedings
- Financial integration planning for newlyweds combining households
- Post-divorce or blended family financial planning that addresses complex needs
- Estate planning updates to reflect new family structures and beneficiaries
- Tax planning strategies for changing filing status and family circumstances
Relationship changes bring both emotional and financial complexity. We provide objective, compassionate guidance during these transitions, helping you make sound financial decisions even during stressful times. Our experience with diverse family structures ensures your financial plan protects your interests while supporting your new family goals, whether you’re starting fresh or building something new together.
Who we serve: Executives, professionals changing jobs, families relocating, anyone navigating significant career transitions.
- Compensation package analysis and negotiation support to maximize your value
- 401(k) and benefit transitions to preserve and optimize your retirement savings
- Stock option and equity compensation planning for complex benefit packages
- Geographic relocation financial planning including cost-of-living analysis
- Career transition financial bridge planning for gaps between positions
Career transitions represent both opportunities and financial complexity. We help you evaluate job offers objectively, ensure you’re maximizing the value of new benefit packages, and plan for any financial gaps during transitions. Our guidance helps you make career moves with confidence, knowing your financial strategy supports your professional goals while protecting your long-term security.
Other Assets Maximizing value and minimizing taxes on major asset sales
Who we serve: Business owners, real estate investors, individuals with concentrated positions, anyone preparing for or completing major asset sales.
- Pre-sale planning and valuation assistance to optimize sale structure and timing
- Tax-efficient sale strategies including installment sales and other tax-minimization techniques
- Proceeds investment and diversification to reduce concentration risk
- Estate planning integration to incorporate new wealth into legacy planning
- Post-sale lifestyle and spending planning for your changed financial situation
Selling a significant asset often represents the culmination of years of hard work and a major wealth-building event. We help ensure you capture the maximum value from your sale while minimizing tax consequences. Our comprehensive approach addresses not just the transaction itself, but how to wisely manage the proceeds to support your long-term financial goals and create lasting security for you and your family.
Who we serve: Adult children of aging parents, sandwich generation families, anyone facing elder care responsibilities.
- Multi-generational financial planning that addresses both your needs and your parents'
- Long-term care cost planning and insurance strategies to protect family assets
- Medicaid planning and asset protection to preserve wealth while ensuring quality care
- Family financial coordination and communication to align siblings and reduce conflict
- Elder care resource coordination to connect families with appropriate support services
The “sandwich generation” faces unique financial pressures caring for both children and aging parents. We help you navigate these complex family dynamics while protecting everyone’s financial security. Our experience with multi-generational planning ensures you can provide appropriate support for your parents without compromising your own retirement goals, creating solutions that honor family values while preserving wealth.
Who we serve: Parents of special needs children, families with disabled family members, anyone planning for a dependent with lifelong care needs.
- Special needs trust establishment and funding to protect assets while preserving benefits
- Government benefits coordination and preservation to maximize available support
- Long-term care and support planning for lifetime care needs
- Educational and therapeutic funding strategies for ongoing development
- Family financial stress management to balance competing priorities
Raising a child with special needs requires both deep love and careful financial planning. We understand the unique challenges families face and provide specialized guidance to ensure your child receives appropriate care throughout their lifetime. Our approach protects government benefits while creating additional resources, giving you peace of mind that your child will be cared for according to your wishes, even when you can no longer provide that care yourself.
Who we serve: First-time homebuyers, families upsizing/downsizing, real estate investors, anyone making significant real estate decisions.
- Down payment and financing strategies to optimize your cash flow and investment returns
- Investment account timing coordination for real estate purchases without derailing long-term goals
- Tax implications analysis of home sales and purchases to minimize tax burden
- First-time homebuyer programs and strategies to maximize available benefits
- Real estate investment analysis for properties beyond your primary residence
Real estate decisions represent some of the largest financial transactions most families make. We help you integrate these major purchases and sales into your overall financial strategy, ensuring your real estate decisions support rather than undermine your long-term wealth building. Our guidance helps you navigate the complex financial aspects of real estate while maintaining focus on your broader financial goals.
Who we serve: Anyone facing unexpected financial challenges or health crises, families dealing with sudden income loss, individuals navigating disability or illness.
- Emergency financial planning and triage to address immediate needs and stabilize your situation
- Insurance claim assistance and optimization to maximize available benefits and coverage
- Income replacement and cash flow strategies to bridge financial gaps
- Expense prioritization and budgeting to focus resources on essential needs
- Long-term recovery and adaptation planning for your changed circumstances
When unexpected events disrupt your financial stability, having experienced guidance can make the difference between temporary setback and long-term financial damage. We provide calm, objective support during stressful times, helping you navigate insurance systems, prioritize expenses, and develop strategies to protect your long-term financial security while addressing immediate needs.