Our Services

We’ve been helping clients in the greater Detroit and Sarasota areas prepare for their financial future since 1998. Like them, you can benefit from our expertise in creating a fully integrated, comprehensive plan that helps you pursue your life goals. Working together, we determine which areas of focus require our immediate attention and which ones are more long term in nature. From our findings, we will assemble and help you manage a comprehensive plan that supports your financial goals. No matter what your level of wealth, working with us can help you pursue those goals.

As independent financial advisors, we have no parent company or product pressures driving our recommendations; we answer only to you. So you know you’re getting an objective guidance in all areas, including:

• Managing Investments  - Your investments should address your objectives and comfort level.

• Retirement Planning  - Have confidence in your plans and ability to enjoy your retirement years.

• Estate Planning  - Make certain that when you are gone, your wealth will be transferred efficiently and easily to the people and organizations you care about.

• Risk Management  - Minimize threats to your personal or business assets.

• Business Planning  - We can help you manage and grow your business, making the most of the opportunity for wealth creation.

• Taxation  - Minimize the tax burdens you face now and in the future and take advantage of the many tax saving strategies available.

Whether your financial life encompasses all or only a few of these areas, we will meet you where you are and build the plan that works for you.

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Managing Investments

Simplify the complexities of your financial life in a systematic way that will grow and protect your assets. In today's world, there are common needs and desires people seek to accomplish. Proper investment management reduces overall investment risk and creates more reliable investment results. 

Our personalized approach, due diligence, and portfolio modeling allows us to create an ideal and efficient portfolio. Our goal is to meet with you to regularly review and rebalance, so that we can keep your assets aligned with your goals and at a risk level you are comfortable with. In addition, we offer you the ability to view all of your assets in one place, not just the assets held directly with us. This visibility allows us to maintain a close eye on your other assets, including 529 plans, 401(k)s, hedge funds, and limited partnerships, as well as your liabilities such as mortgages or car loans. Understanding your complete financial picture is key to helping you accomplish your goals.

 

 

Retirement Planning

Manage your financial life and create a long-term plan that is customized to meet your needs. Retirement planning involves evaluating your current financial standing and creating an accumulation strategy that will help to ensure a desired retirement lifestyle. Because an individual's retirement years can span decades, retirement planning generally dominates other financial goals.

A successful plan put into place during the wealth-building period of your life should address ways to maximize growth and tax-efficient distributions, as well as how to leave retirement assets to the next generation.

You may find that qualified plans, IRAs, and social security won't provide enough money to support your desired retirement lifestyle. By identifying your retirement gap, you can develop a strategy for personal savings invested outside of the traditional retirement vehicle.

 

 

Estate Planning

Proper estate planning should be simple. It should allow you to give what you have, to whom you want, when you want, the way you want.  

For many people, family and charity are high on the list of those who should benefit from their lifetime of work. We can help you identify the gaps in your planning, and work with your existing financial professionals to formalize your wishes and to potentially minimize the administrative burden, while maximizing the value of assets left behind to the people and causes you prefer.   

 

Risk Management

Taking steps to protect your wealth is the glue that holds your financial plan together. We will help you integrate a protection plan that will give you the confidence to invest for your long-term goals and serves as a safety net for you, your family, and your financial plan.

 

 

 

Business Planning

Business owners have unique risks and opportunities that impact their financial plans and we understand just how hard it is to start up and grow a business. We will work with you to help you save in the most tax-efficient manner with employer sponsored plans (401ks, SEP and Simple IRAs, etc...) and help you decide which will be most advantageous for your unique situation.

We can also help you formulate and fund an "exit" strategy or a transition plan. If you are counting on your business to fund your retirement, let us help you make a plan.

 

 

Tax Planning

Tax planning is the analysis of a financial situation or plan from a tax perspective. Our approach to tax planning is to consider the entirety of your financial affairs and plan. Proper planning can help reduce, eliminate, or ensure tax efficiency as it relates to your current or retirement income, investment portfolio, estate plan, and/or when there is a significant event in your life, such as when there is an inheritance, stock grants, or the sale of a business. 

Our process involves working with your existing tax professional, or we can refer you to other firms we work with.