Insight and Strategy

Where most of the industry focuses on how much risk you can tolerate with your savings, our philosophy and planning are rooted in protection and financial confidence. We take the time to develop a comprehensive assessment of your unique financial situation. We seek to protect your assets and family by mitigating the stealth risks that make you vulnerable and erode your wealth:

Taxes*: Income tax, estate tax, capital gains tax. There is a constantly changing economic and political landscape with regards to taxation. How it impacts you now and in the future is an ongoing focus.

Inflation: The impact of compounding costs even at low inflation rates have a dramatic impact long term on what it will cost to live in the future and what your investments and savings need to generate to outpace inflation.

A historically unprecedented low interest rate environment: how will this be a factor on your savings, investments and assets.

Market Volatility: The stock market moves in cycles, average returns are not equal to actual returns. Results are ultimately measured by when you need to access your money, and where the market may be at that time.

Misinformation is pervasive. It is on the Internet, magazines, books, sales literature, and opinions all around you, making it almost impossible to navigate. Many things that are promoted and may appear appealing, can be detrimental to your particular financial circumstances.

We understand that in the course of a day or week, you are juggling family, work responsibilities, multiple schedules, and trying to plan time to enjoy it all as well.

How do you squeeze in time to be the champion of your own financial independence?

How do you ensure that all of your advisors and their advice are coordinated and integrated properly for the optimal outcome?

We understand you have priorities and commitments that need to be managed and taken into account. We help our clients take decisive action with the goal of achieving sustainable results.