We help families plan for generations.

When planning for your family’s financial future you have to look at the big picture. It takes creativity and an understanding of your family values to do it right. Whether you need assistance with your parent’s estate, planning your legacy, or starting a family, we can help. Learn more about planning for your family’s financial future by scheduling to meet with an Adviser today.

Cash Flow & Budgeting

Awareness is the key to gaining more control over your family finances. If you're not already tracking your spending don't worry, we have simple technology that can do most of the work for you. With the 1080 eMoney Portal it's easy to track all of your savings and spending data.

  • Track all of your account activity
  • Create custom budgets and savings goals
  • Monitor income and expenses
  • Link to your checking and savings accounts, credit cards and loans
The 1080 eMoney Portal can help you gain clarity of how you save and spend your money today. Together we can help you create budgets and develop savings strategies that will lead you to achieving your personal financial goals.

Financial Forecasting & Stress Tests

Understand the long term impact of the financial decisions you are considering today and in the future. Our innovative tools help you visualize financial goals and can project the likelihood of achieving them. The 1080 eMoney Portal connects information from all of your financial accounts which enables us to generate reports and perform simulations based on current accurate data.

  • Personal balance sheet and net worth statements
  • Cash flow projections
  • Monte Carlo simulation
  • Retirement planning analysis
  • Detailed flow charts
  • Tax and inflation assumptions

Investment Planning

Asset allocation should be the primary focus to developing a long term investment strategy. With the 1080 eMoney Portal we can link all of your investment accounts and track values of physical assets such as real estate. Specific goals should have a specific investment strategy and be flexible enough to accommodate your wishes. With your entire financial picture visible, we have more information to help you make better investment decisions.

  • Stocks & Bonds
  • ETF's (Exchange Traded Funds) & Mutual Funds
  • Alternative Investments, REIT's
  • Trust accounts
  • Retirement accounts
  • Impact Investing (sustainability, corporate governance)
We see the big picture and can provide investment advice across all of your financial accounts, not just the ones we manage. Use the 1080 eMoney Portal to link outside investment accounts and you can see all of your account balances updated daily, in one secure system.

Education Planning

When saving for college or investing money for a minor it’s important to understand potential tax benefits and consequences. We can guide you through options for gifting and managing money for the benefit of a minor. We'll help you navigate the options and understand state and federal tax implications so the decisions you make have the biggest benefit for your family.

  • College 529 accounts
  • UTMA and UGMA strategies
  • Coogan accounts for minors

Retirement Planning

Whether you're just getting started or already have experience investing for retirement it's difficult to balance saving for your family today while planning for retirement in the future. We have retirement planning expertise to help you develop a plan of action to achieve a successful retirement on your terms. The way you invest money for retirement can have certain tax benefits and your investment plan should address these specific needs.

  • 401(k), 403(b), 457, and other retirement plans
  • Rollovers, IRA's and other retirement accounts
  • Pensions and Annuities
  • Social Security and Medicare Benefits
  • Elder Care Planning and Long Term Care
We can help you better understand your employee benefits and make smart decisions about the way you save for retirement. It's easy to get started and never too late to begin. Achieving your desired retirement lifestyle won’t happen by mistake.

Risk Management

Risk management and insurance planning are key components to a sound financial plan. We'll help you evaluate different kinds of insurance strategies so you can protect your family from the costs of accidents, disability, and death. The insurance decisions you make should be based on your needs because there is no one-size-fits-all policy.

  • Coverage through Employee Benefit programs
  • Term Life Insurance
  • Whole Life & Universal Life Insurance
  • Long Term Care Insurance
  • Disability Insurance
We will explain your options, conflicts of interest and compare policies to help you make insurance decisions that make sense for you. With access to many top rated insurance carriers we make it easy to shop for the right policy at the right price.

Tax Planning

Nobody wants to pay more than their fair share in taxes, which is why we believe it's best to work as a team and collaborate with your tax advisor. Proactive tax planning begins with understanding your current tax situation and no one knows more about your taxes than you and your accountant. By working together we can account for all aspects of your financial and tax situation to implement holistic tax efficient solutions.

  • Capital Gains
    Depending on your personal tax situation it may be in your best interest to seek out investments that provide additional tax benefits.
  • Estate Tax
    You may want to consider wealth transfer strategies today if you want to reduce the overall impact of taxes on money transferred to beneficiaries and charities.
  • Income Tax Planning
    Deferring income to reduce current taxes may be something to consider although there are other options to reducing tax liabilities and optimizing saving opportunities.
There are plenty of opportunities to reduce tax liabilities today and in the future, but none of it will happen without planning today.

Estate Planning

Your legacy is important, when you pass money from your estate can only go three places: your beneficiaries, charities and the government. You need a trust to protect your family’s assets and a well thought out estate plan to be your voice when you can't speak. We encourage open collaboration with your estate planning attorney and accountant to help design a holistic estate plan that addresses all of your wishes.

  • Trusts and wills
  • Power of attorney documents
  • Health care directives
  • Irrevocable trusts
  • Corporate trustee services
These legal documents can be drafted by an attorney to protect your family and fulfill your legacy. We emphasize the use of proper estate planning techniques to address the management of your health, financial accounts, gifting and taxes when you are no longer able to do so yourself. A well thought out estate plan ensures the right people have access to resources while protecting others from potentially causing harm.

Philanthropic Planning

The foundation of our future relies upon the communities and great organizations that help us get there together. We believe efforts are well spent in service to others and can help ensure your charitable gifts have the biggest impact. There are many tax advantages for both grantors and recipients of qualified donations which is why it's important coordinate charitable giving and family gifts with your tax advisors. We also work with donor relationship managers together as a team to ensure your gifts will have a most meaningful impact.