Let us help you sleep at night

With over 60 years of combined experience, we (Michele and David) know how to bring clarity to your your goals and concerns.  Cutomized solutions get you where you want to be, when you want to be there. As developers of the The Integrated WealthCare Advice Program(R) we have experience with everything from the most common planning concerns to the much more complex concerns of High Net Worth clients.

Once your personal situation is clear,  recommendations and implementation are easy steps that will help you sleep at night 

Mission Statement

We help people coordinate their lifestyle and financial goals, through education, best tax practices, sensible investing and insurance solutions that minimize lifestyle risks and form the basis of their plan

Cash Flow Management and Income Protection

We can help you avoid those subtle drains on your cash flow, create more efficiency in savings and debt management and help you protect your income against unexpected health issues. Let us help you protect your income now and during retirement

Estate Planning & Taxation

We spend years accumulatating assets and eventually it becomes time to make changes. Business owners have to make changes at retirment. In all cases we want our life work proceeds to get into the right hands in the most tax efficient manner. Discover the most tax efficent ways of transferring your estate to your beneficiaries and avoid the potential pitfalls that can occur with poorly planned estate strategies.

Investment Management and Portfolio Construction

High Net Worth investment programs, fee based accounts, separately managed accounts or insured investments. We have worked with all catagories of investments, stocks, ETF's and mutual funds. We are pleased to provide custom solutions that meet you objectives

Our investment philosophy is based on the premise that Capital Retention should be our first goal while proving opportunities for growth in the portfolio

Our Relationship Model

Retirement Planning & Long Term Care

How much money do I need to retire?  How much income is enough? These are typical questions that everyone faces at retirement. When is the best time too retire? What happens as we age and need help in our later years? What if one of us needs to go into a home. Proper planning can answer a lot of these questions making your retirement years more comfortable. We want you to be able to say to yourself, "I will be o.k." 

Business Owners Success Strategies

Business owners have more complex situations starting with shareholder agreements, business continuation concerns and the pressure of operations. We have experience developing and executing tax efficient plans for small business owners. In addition to shareholder concerns, we can provide employee benefits from one of our 20 carriers and implement a pension plan with employee advice services 

Life Insurance, Living Benefits, Group Benefits & Pension

We can shop the market for the best solutions.  Please feel free to make inquires.    

Contact us

 

 

Our Process