Our Solutions

Families Planning for Future Generations 

Generational wealth is harder to maintain than one might think.  Data tells us that about 70% of wealthy families lose their wealth by the second generation and 90% by the third generation.   That is a troubling statistic considering it is highly likely the first generation worked extremely hard and made significant sacrifices to create a better life for those who were to follow them in the next generation.  

High net worth families have unique needs that differ from a typical family.  We are skilled and experienced in helping families address the myriad of advanced estate financial planning issues and equally if not more important establishing the framework for family governance, responsibility and wealth education that is fundamental to ensuring wealth is maintained and grows from one generation the next.   Wealth transfer does not happen by accident, it requires complex planning and is driven by each family’s unique values.


In a recent survey of over 3,000 married women in the US (reported in a June 2019 article in Investment News), 54% said their spouse took the lead role in managing the family's finances.  The women did not participate in long-term financial planning, investing or health-care decisions.  There is a high cost to women not being involved as it can be overwhelming when the family is faced with a traumatic event, leaving the wife on her own with the finances. 

Getting Divorced 

In the United States, 50% of marriages end in divorce.  That being said, one would think that both spouses would be prepared for this possibility.  But, this is just not the case.  Unfortunately, few women are equipped to deal with this reality.   We work with many women through this life transition helping empower them to make wise financial decisions and providing them with the knowledge they need to shape their futures.

Becoming financially independent is an essential skill for single women for so many reasons.  Whether divorced, widowed, or never married - independent women have unique needs and concerns.  When it's only you making decisions, there's all the more reason to be savvy about your life and financial goals.  Statistics show that 90% of women will be solely responsible for their finances at some point in their life.

Financially Empowering Independent Women 

Over the years, we began working with many independent women due to a variety of different circumstances.  The growth and development of this unique expertise was truly organic and was a direct result of us taking exceptional care of our current female clients, so much so that they have consistently recommended their friends and members of their families to us.   

We believe that women should be independent, involved and empowered in their financial matters, and when we work with couples, we encourage both parties to be involved in their financial planning.  Whether it be the surviving spouse of a client couple, a client who we helped navigate through a divorce and she refers a friend, or a client just recommends a single friend to us--it all adds up to us having the opportunity to work with so many wonderful women and sharing our specialized expertise dealing with their unique issues.

Loss of a Spouse 

When you're married, it's hard to think about your future without your spouse, especially when you are active, healthy and enjoying life.  However, the reality is that one of you will die first.  And, since women tend to live longer than men, it's usually the wife who is the widow. Aside from deep grief, widows often have profound fear about their financial survival.  Few are prepared for the daunting financial challenges that lie ahead.  We have guided many widows through this emotional time, helping them to make prudent decisions and establishing a financial plan for a future that is promising and bright.


Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Our site is filled with educational videos, articles, slideshows, and calculators designed to help you learn more. As you search our site, send me a note regarding any questions you may have about any particular investment concepts or products. We'll get back to you quickly with a thoughtful answer.

Professionals Accumulating Wealth 

Our professional clients - attorneys, physicians, corporate executives & business owners - are busy people who work hard and are focused on their careers and their families, just like us.  Many have unique circumstances to consider when planning for their futures.  They are not financial professionals and didn't choose to be.  Their expertise and passion lies in their practices and businesses.  The day to day demands on them don't leave much time to deal with the myriad of financial complexities that arise as life progresses.  Yet, they know attention to these details is critical to ensure a financially secure future they work so hard to achieve. 

We help our professional clients pull it all together through planning and investing wisely during their asset accumulation stage and then planning for their ultimate retirement from their firms, companies or medical practices.  Smart investing and money management early on can make a significant impact on the success of a retirement outcome and provide much needed peace of mind while building for the future.

Career Change 

Any transition in life is a perfect time to update your financial plan, especially when changing jobs.  While a career change often presents a host of rewarding professional opportunities, it is often full of important financial and lifestyle decisions.  It is important to take the time to assess all of your assets with your existing employer and be aware of the key decisions you will need to make and the deadlines for same. 

Does it make sense to rollover my 401K plan to an IRA or Roth IRA, given the type of investments in my account?  Should I take my deferred compensation in a lump sum or stretch it out over time?  What are the tax consequences of selling my company stock or exercising my stock options?   What happens to my company provided insurance when I leave their employ?  Making thoughtful decisions and updating your plan can pay off later.  Seemingly little decisions can make a big difference.  Many people use this time to consolidate their retirement assets, brokerage and other investment accounts to simplify their financial life.

Employers Sponsoring Employee Retirement Plans 

We have been working with companies for over 20 years helping them establish, review and monitor their retirement plans. Our goal is to create successful retirement plan outcomes for plan sponsors and plan participants that meet their unique objectives. We work closely with plan sponsors addressing the many significant issues they face including complying with retirement plan regulations and managing risk, adhering to fiduciary responsibilities, managing plan fees, offering competitive funds and preparing participants to retire when you need them to retire.   Given that the regulatory landscape is complex, it is that much more important that employers partner with a firm that has the knowledge, resources and process developed to deliver the best possible retirement plan solution. Our independence and expertise have enabled us to do just that with our clients.

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