We want to our children and grandchildren to be good financial stewards. And it is important they know where the money came from and the choices we made.
Uncle James passed away a few years after becoming our client. Because James never had children, he left the assets in trust for his three nieces. While the children grew up, we managed the investments and their father kept their inheritance a secret. When they were college-bound, James’ nieces received a pleasant surprise—college was free, thanks to Uncle James! We:
Set up and funded trusts, making it easy for JamesManaged the investments prudently with Uncle James’ goals in mind, making it easy for the trusteeMade payments for college and other expenses, allowing the young women to focus on their studiesManaged and reduced tax costs
Because of our prudent money management, the accounts continued to grow, even after paying for college. James’ oldest niece was able to pay for a wedding and make a down payment on her first home. Uncle James’ generosity will be forever remembered by this family.
As Helen approached her 90s, she knew her money would outlast her life on earth. Her oldest grandchildren were having children. Her youngest grandchildren were approaching college age. Helen wanted to provide them a college education, and she didn’t mind saving taxes either. But she wanted to do something fair to help all the different generations, and also give a little more to those who needed a little more. We:
Discussed fairness, and what it means to Helen, and helped her feel confident in her decisionSet up education accounts and trustsFunded them in a manner that Helen enjoyed a large tax savingsKept things simple and elegantManaged the assets prudently
Helen recently passed away. She is remembered by her family for her elegance, prudence and generosity. Her children, grandchildren and great-grandchildren are all a little better off, financially and otherwise, because of her good decisions.
Scott and Ellen were in the thick of it—raising college-age children and caring for Ellen’s mom. They each were employed, and both were proud of their high incomes. Sometimes they felt like they were losing control of the money going out the door. With two college payments and an increasing financial, emotional, and time burden from caring for Ellen’s mom, they needed a realistic financial plan. We:
Went through the discovery process and honored their goals, values and relationshipsWrote a one-page financial plan they could followHelped with a budget, giving them an online portal for all accounts (credit cards, checking, investments, more)Decided on an appropriate debt planCollege funding plansRetirement income plans
Success for Scott and Ellen had always been to enjoy time with the family and feel financially secure. With their financial advisor, they were able to relax about the budget and know that their outflow was finally in control.
Patented investment process, including ESG investing: environmental, social and governance considerations.
Align your money with your values, goals and relationships and bring peace of mind.
Be confident and keep your independence, dignity and lifestyle for the rest of your life.
Teaching younger generations financial stewardship, transferring values and stories, ensuring a financial legacy.
Make an impact beyond your family, helping our community and the world at large.
Purposeful planning, help with the emotional dimensions of money, and more.
Deciding whether or not to buy LTC insurance, having a plan in place for the end of life.
College and private education planning, for yourself, your kids and grandkids.
An initial conversation is always complimentary. We are often told that our discovery process is the best conversation about money a person has ever had.
Our financial planners guide our clients through the infinite maze of investments, taxes, budgeting, saving, estate planning, college planning, all types of insurance questions, and other planning issues.
We offer a broad array of events that broaden our knowledge and experiences.