We offer a range of financial management and traditional CFO services for Small and Medium-sized businesses.  Our services are most effective for organizations who need assistance with financial and operational strategies, policies, internal controls and staff engagement.  We also provide a range of reporting dashboards and meaningful statement analysis.  For Boards, CEOs and Owners who need executive-level assistance, but prefer not to bear full-time compensation and benefits for an employed CFO/Finance Director, we gladly serve as an experienced solution, having provided outsourced and customized business advisement services for well over a decade.  

Developing a plan is foundational in reaching your financial goals, and having a clear vision of what those goals are is the most important step in the planning process.  Without goals to aim for, no need to plan, right!  We encourage each client to determine specific goals before we begin the planning process, and we gladly assist in goal selection and determination when requested.  Since each person is unique, each plan should be, too.  To be clear, financial planning is really a combination of some or all of the services below.  A plan can be extremely simple or quite complex, although in most every case we are aware of, simple plans usually work, while complex plans do not.

We work directly with you to gather the information needed to prepare the following:

1. Net Assets – Before you begin setting financial goals, an accurate picture of where you are financially is essential.  We help review what you own and what you owe to determine financial standing.
2. Income Statement – Next, we evaluate your income and expenses to determine ability and the speed at which goals might be acheived.
3. Cash Flow – Finally, we determine how the first two statements impact cash inflows and outflows, and factor in future changes such as salary adjustments, major purchases, inheritances, etc.

With an extensive knowledge of the US tax law (commonly referred to as the “code”) , we work to provide reasonable and practical solutions for individuals, businesses, trusts and estates.  The tax code can be overwhelming and complex, but we aim to clarify the complexity and offer appropriate and legitimate reduction, deferral and/or avoidance strategies.  We gladly work with our clients CPAs or, as desired, we can provide tax preparation and IRS representation services directly.  Tax planning is a crucial piece to any financial plan or investment strategy, with taxes impacting a large percentage of all types of income.  We believe it vital to have a professional who understands the tax impact of their recommendations.

Of all the services we offer, providing you with an objective, independent and unemotional review of investment choices may be the single most valuable advice we can give.  With countless investment options available in this age of internet brokerages, it is crucial to select an appropriate asset allocation which matches your risk tolerance.  Unfortunately, analyzing your risk tolerance is a very subjective endeavor.  To achieve an accurate view, with objectivity, we use statistically and scietifically valid measurements in evaluating your actual risk tolerance.  We recommend and utilize low cost Exchange Traded Funds and no-load mutual funds in our recommendations, to keep costs to a minimum.  Individual securities generally offer too much “company-specific” risk, although we consider such securities periodically, depending on the client risk profile and client preference.  Contrary to many pundits and investment professionals, the only way to achieve higher returns is by taking more risk.  That said, proper diversification helps to optimize returns available for levels of risk assumed.

We believe giving is fundamental to every successful financial plan.  Our aim is to assist you in freeing up assets so that you in turn may be more generous, all while continuing to accomplish your other financial goals.  Planned giving gives you the opportunity to make a significant impact on the lives of others, and to build a legacy of generosity that will outlast you.  With our substantial experience in the charitable sector, we can also help determine efficient organizations that will use your gifts to the fullest.

Determining the most efficient and effective manner to save for the educational needs of your children and grandchildren allows for confidence in providing a very valuable asset for the next generation.  With wide ranging costs for various schools, from pre-k to graduate studies, we assist with establishing appropriate funding levels and savings vehicles.

We offer a range of consulting services for business owners and their closely held businesses.  In most cases, a business represents a substantial asset which is integral to the financial plan of the owner.  From choice of entity and business structure to succession planning and valuation of the business, we stand ready to assist with your business planning needs.  Qualified retirement plan selection and implementation are also offered as part of our business offerings.