"It's not about how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for."

-- Robert Kiyosaki

Customized To Fit Your Needs


Estate & Legacy Planning

You've worked hard and your estate is the result of that hard work.  You want to make sure your family and future generations are cared for, but you also want to maintain a healthy cashflow that will allow you to live comfortably. What are the steps that you should take to make this happen?  

Retirement Planning

You want to retire at some point. Great! Now, at what age would you like to retire?  How do you want to spend your retirement?  Do you want to travel the world, play golf everyday, take on a new hobby, or spend more time with family?  Have you started financially preparing for retirement? Want to be prepared for retirement but don’t want the stress of actually planning for retirement?

Long Term Care

No one wants to think about long term care, but it is a necessary conversation and something to plan for if the need ever arises.  Put your loved ones at ease and plan for the unexpected by setting aside funds for long term medical and living assistance expenses. How much should you put aside?


Divestment Strategies

Your dedication to one company has paid off.  The slow and steady accumulation of company stock through options, grants, and participating in your company's ESPP has proven to be quite lucrative and rewarding.  But the idea of having all of your eggs in one basket makes you uneasy. You know you have to diversify your portfolio but you need guidance on how to go about it.  Are there divestment strategies that will help strengthen your portfolio? 

Investment Strategies

You’ve heard of some general asset allocation advice such as never have less than 25% or more than 75% of funds in common stock and the inverse for bonds. But is that really a sound investment strategy?  A strong investment strategy takes into consideration a number of internal and external factors and should be customized for each individual.  Do you have a solid investment strategy?



Income Replenishment

You’re set for retirement, right?  But what does retirement entail?  Do you have a lifetime of income -- income that covers all of life’s standard expenses, plus any unknowns and incidentals, perhaps something even as unassuming as inflation?  Income replenishment is key to preparing for all of life’s twists and turns.  Have you planned for how you’ll replenish your income?



Charitable Gifting

You’ve distributed your wealth and you, your heirs, and all of your loved ones are set.  But there’s more to give and you’d like to make a difference by leaving some kind of legacy or imprint on the world.  How can you do this in the most effective and strategic way?


You’ve inherited some money and now you want to know how best to invest it. Or conversely, you want to bequeath some of your wealth to your loved ones once you’ve moved on.  But how can you do this in the most strategic way?  Aren’t there inheritance tax ramifications?  What if my children are heavily penalized for money that was meant to give them a better start in life? 


You’ve built quite a nest egg and would really like to share your wealth with loved ones during your lifetime.  Sounds like a great plan!  Now let us make sure your “gift” is really just that and doesn’t become a financial burden.

Your income, combined with smart investment choices, have landed you in the highest tax bracket.  You’re paying your fair share of taxes but you’re wondering if there might be some ways to optimize your wealth and minimize your tax obligations.  Are there tax minimization strategies that can help you?


The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation.

Tax Minimization

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