Our Services
For individuals, we provide wealth management and financial planning services.
I. Financial Planning
- Asset Allocation Review
- Client Financial Statements
- Cash Flow Analysis
- Income Tax Planning
- Educational Cost Analysis
- Insurance Needs & Policy Analysis
- Estate Plan Analysis
- Rent vs. Own
- Buy vs. Lease
- Business Succession Planning
- Social Security Analysis
II. Qualified Accounts
- IRA
- Roth IRA
- SIMPLE IRA
- SEPs
- 401(k)
- 403(b) Plan - Catch up provision rules
- 457 Plan - Catch up provision rules
- Profit Sharing Plans
- Defined Benefit Plans - Pension
- Maximization Analysis
III. Advisory Accounts
- Mutual Fund Wrap Accounts
- Separately Managed Accounts
- Active & Passive Strategies
IV. Investment Programs
- Mutual Funds
- Variable Annuities
- Alternative Investments
- Stocks
- Bonds
- REITs
- UITs
- CDs
V. Educational Accounts
- 529 Plans
- Educational IRAs
- UGMAs
- UTMAs
VI. Insurance Programs
- Equity Index Annuities
- Fixed Annuities
- Variable Life Insurance
- Universal Life Insurance
- Term Insurance
- Whole Life Insurance
VII. Benefits
- Health Insurance
- Dental Insurance
- Long Term Care Insurance
- Medicare Supplements & Part D Prescription
- Disability Insurance
For retirement plan sponsors, we provide a thorough process to help plan sponsors evaluate, understand and implement comprehensive retirement programs
I. Fiduciary Assistance
- Assist employer in addressing ERISA fiduciary requirements
- Assist investment committee with creating Investment Policy Statement (IPS)
- Monitor investment performance and replacement process
- Participate in Investment Committee meetings
- Conduct and deliver annual fiduciary review
II. Plan Sponsor Solutions
- Vendor analysis and fee benchmarking
- Executive compensation plan design and implementation assistance
- Plan analysis, design assistance, communication and implementation of:
- Legislative updates
- Marketplace changes
III. Participant Solutions
- Employee education and communication
- Help create plan/policy for employee retirement education and enrollment
- Help participants stay the course
- Help participants convert retirement savings into income at retirement
IV. Investment Strategies
- Comprehensive proprietary research and analysis on an expanding universe of portfolio managers and investment products
- Complete objectivity in selecting investments and plan providers
- Expertise with non-qualified plans, rollovers and income generation for retired participants
- LPL’s Retirement Plan Consulting Program (RPCP)
- Limits sponsor risk exposure under ERISA 3(21) co-fiduciary rules, as well as IRS and DOL regulations
- Proactive compliance and legal support
V. Co-Fiduciary Services
- Investment Policy Statement (IPS) assistance and monitoring
- Ongoing investment monitoring
- Assistance with changes in investment options
- Performance reporting
- Ongoing investment recommendations
- Education services to plan committee
- Education and enrollment programs
- 404(c) assistance
- Qualified Default Investment Alternative (QDIA) assistance
- Plan search support/vendor analysis
- E&O insurance coverage ($10 million / $50 million)
Let's Begin the Conversation!
Every journey begins with a single step.
When you are ready to begin your financial future, chart your path to retirement, or perhaps just make a course correction, we are here and ready to help.
If you have questions or just want to talk, please fill out this form, and we’ll be in touch to assist you in any way you need.