The Key


FINANCIAL PLANNING

To service the true needs of the client, we truly listen and make every effort to understand our client's desires and goals. Once these are understood, we offer viable financial strategies that will produce the desired results, considering their financial resources and their ability to take risks.

We recognize everyone's uniqueness. Therefore, we customize a financial plan that evolves to fit the client's life style in an ever-changing environment and attain their short-term, mid-term, and long-term financial goals that cross multi-generational family members.

Foremost, we are pro-active and devise saving strategy plans for our clients with which to retire comfortably and pursue those hobbies and passions that make them happy.

Cash Reserve Strategies

Cash Flow Management

Education Planning

Future Outlook

Retirement Planning

Business Planning


MULTI-GENERATION PLANNING 

We guide families through all phases of life planning. We position parent to maximize their income to achieve strong retirement savings. We advocate for families with aging parents and grandparents, offering financial solutions along with referrals to Geriatric care professionals. We design and implement the strategies that best suit the families as they move through the life stages, supporting, reviewing and modifying as needs and goals evolve.

Retirement Planning

Aging Life Care Planning

Inheritance Planning


INVESTMENT MANAGE-MENT

We assess and monitor your current accounts, managing them using portfolio performance software. We run risk analyses using latest industry tools that offer and develop recommendations to give clients the best financial position. Regularly, we monitor your investments based on the market and your risk tolerance.

Asset Allocation

Diversification Strategies

Brokerage Accounts

IRA: Trad, ROTH, SEP, SIMPLE

Annuity Analysis


TAX PLANNING

We work with our client’s CPA to give them the best strategy with a focus to reduce taxes now and in retirement. We build plans that defer and/or avoid unnecessary tax consequences as our clients’ needs and lifestyle changes.

Tax Reduction

Tax Deferral

Tax Diversification


RISK ASSESSMENT REVIEW

We identify any overlaps or gaps in the client's current insurance coverage(s) and provide him/her with suitable solutions that will help the client achieve their insurance objectives.

Life Insurance

Disability Income Insurance

Long Term Care


ESTATE PLANNING 

We outline the family and its needs, as the client perceives them. We review the obligations and financial implications of their current Estate Plan and suggest alternatives that are consistent with their current objectives that affect them and other family members, considering the current structure of their wealth.

Beneficiary Review

Custodian Review


HEALTH AND WELL-BEING

We believe that health is an important component of Financial planning. Many dream of retiring and health is a defining factor in that planning.

We strive to lower costs and risk factors, through open discussion and recommending reading material regarding mental, emotional and physical aspects that influence planning. We encourage clients to make good life choices and changes, when necessary, that will benefit them today, leading to a more active and fun retirement.

Mentoring

Life Skills

Health Care


STRATEGIC ALLIANCES

We network and build professional relationships with CPA’s, Attorney’s, Realtors, Loan officer, Geriatric Coordinators, and many others that may be a needed resource for our client’s now or in future. We are always networking to find the very best in their field, and work cooperatively with the holistic approach of the firm.

Connect to Needed Professionals

Referral Recommendations