The Wishing Well™

The Wishing Well™ is our initial meeting where we review what brought you to this point; your feelings and experiences to this time. We review our processes with you and what you can expect from a continued relationship with our team. We will provide for you, an overview of the discussion containing dangers to be eliminated, opportunities to be focused on and a plan and path utilizing specific tools and our unique methods.

The Taxability Metrics™

The Taxability Metrics™ is our process of helping you keep more of what you earn. This would be preparing returns, reviewing previous returns and recommending tax saving strategies.

The Leverage Identifier™

The Leverage Identifier™ is our process of analyzing your current debt structure in light of your objectives and reorganizing if necessary. This refers to our mortgage services for newly purchased residential and investment properties. For existing owners we provide programs for refinancing and home equity lines of credit.

The Exposure Profiler™

The Exposure Profiler™ is our complete risk analysis process utilized to seek out, identify and eliminate or transfer unacceptable risks. For individuals this is our analysis and plan generation, pertaining to insurance, disability and long-term care needs. For business owners this would involve analysis and recommendations for succession planning and employee retention benefit planning.

The Returns Analyzer™

The Returns Analyzer™ is our process of dissecting your investment portfolio to ensure it is aligned with your tolerance for risk, goals and time horizon. We formulate investment guidelines that we deem appropriate given the universe of strategies and realities of the market place as well as each individual’s situation.

The Education Wizard™

The Education Wizard™ is our education planning process. We carefully evaluate your current situation, time horizon, savings ability, alternative methods and propose realistic solutions.

The Horizon Viewer™

The Horizon Viewer™ is our retirement planning process for individuals and business owners. For individuals this process involves specific goals to be attained within a specified time frame. A plan, path and evaluation of the current course of action including the probability of success will be provided. For business owners this process involves an in-depth analysis of an existing plan along with design and implementation of a proposed plan. Enrollment meetings, education and communications involving plan set-up, investment options and continued monitoring and support will be provided. Administration, record keeping, timely and accurate reporting may be done in-house or outsourced to a preferred sponsor depending upon the need, size and complexity of the case.

The Legacy Approach™

Every estate is planned by you or the government.

The Legacy Approach™ is our process designed to assist in lifetime planning issues, including contingency planning in case of incapacity and planning the most efficient and tax advantaged distribution of wealth at death.

The Facts of Life Monitor™

The Facts of Life Monitor™ is our process involving the continued monitoring, support and communication which allows us to make any changes necessary to your plan as your lives and goals evolve. The necessary frequency of review is established on an individual basis, just keep in mind that it is very important to update a plan due to life-changing events.