• Tax Preparation
  • Tax Strategy
  • Gifting Strategy
  • Qualified Charitable-Distributions
  • Estate Tax Mitigation
  • Roth IRA Conversions


  • 401(k) Rollovers
  • Retirement Accounts
  • Stocks/Bonds
  • Custom Investment Portfolios
  • Life Insurance & Annuities
  • Long Term Care Insurance
  • Disability Insurance

  • Wills
  • Trusts
  • Power of Attorney
  • Advance Directive
  • Funeral Planning
  • Business Succession-Planning


Tax Preparation

We prepare your taxes in-house with the latest software. We have prepared thousands of tax returns and we're comfortable navigating the complex and often confusing tax code.

Tax Strategy

Tax preparation takes place after the year ends.  Tax strategy takes place during the year.  It’s nice to know you have somebody throughout the year who understands your tax situation and can coordinate your estate and financial plan to limit or eliminate taxes. 

Gifting Strategy

Many people are surprised to find out that when you give a gift to somebody, including your children, it may be subject to taxes.  They are more surprised to realize the giver, not the receiver must file a separate tax return and pay the tax.  By properly coordinating with your estate and financial plan we can oftentimes limit or eliminate the gift tax.

Qualified Charitable Distributions

If you own IRA’s and make charitable contributions (ex: tithing) you may qualify for qualified charitable distributions (QCDs).  Some of the benefit of QCDs include: lower tax on social security benefits, medicare insurance premiums can decrease, and lower adjusted gross income (AGI) which can bring numerous benefits and significantly lower overall taxes.

Estate Tax Mitigation

Estate tax, inheritance tax, and the death tax are all very similar and none of them are very pleasant.  During a vulnerable time in your life the government has implemented a tax that has devastated families.  With proper planning we can often limit or eliminate these taxes.

Roth IRA Conversions

Oftentimes, it’s a good idea to include a Roth IRA into your overall retirement plan.  Roth IRAs have the potential to grow tax-free and take withdrawals tax-free.  In addition, typically you don’t have required minimum distributions.  However, you want to make sure you consult with a qualified CPA before completing a Roth conversion in order to limit or eliminate unnecessary taxes that take place at the time of conversion.

401(k) Rollovers

Typically people prefer to rollover their 401(k) into an IRA as soon as they are able to do it.  A few of the typical reasons include:  gives you full control, less expensive, provides more investment options, easier to name beneficiaries (especially if beneficiaries have specific needs), easier to take withdrawals, and allows you to consolidate accounts.  We have rolled over thousands of accounts and can help ensure you follow the strict rollover rules to avoid unnecessary taxes and penalties.

Retirement Accounts

Oftentimes, people contribute to their retirement accounts throughout their whole working career not thinking about how they’ll actually apply this money towards their retirement.  A traditional IRA or 401(k) account will be taxed at your ordinary income tax rate, potentially leaving significantly less money for you to live off.

If you miss a required minimum distribution the IRS can take half of the amount you were supposed to take.  In addition, your retirement accounts can affect other aspects of your retirement such as the tax on social security or your Medicare costs.  We can help you navigate your retirement to help you make your golden years, well…golden!

Stocks / Bonds

We have state of the art software to perform in-depth analysis on stocks and bonds in addition to some of the best of class money managers.  However, no software or person can predict the future.  We are not part of a franchise that pushes particular stocks or bonds.  Therefore, we counsel with you to make sure that a particular stock or bond fits well within your tax, estate, and financial plan.

Custom Investment Portfolio

We are not part of a franchise that pushes particular stocks or bonds. Therefore, we counsel with you to make sure that a particular stock or bond fits well within your tax, estate, and financial plan.

Life Insurance & Annuities

Many people don’t plan on the financial repercussions of losing their spouse. You can lose social security benefits, pensions can be reduced, and your expenses oftentimes stay about the same as before. Just because you lost your loved one doesn’t mean you pay less in property tax or for utilities. Life insurance can help replace the lost income so your surviving spouse doesn’t lose their lifestyle at the same time they lose their loved one.

If people want a financial vehicle that can provide guaranteed returns without the risk of market losses then they typically turn towards annuities. We are independent advisors, so we can shop the marketplace for the best annuity that fits your goals and objectives.

Long-Term Care Insurance

During one of the most vulnerable times in your life you can experience some of the largest expenses you’ve ever incurred. Long-term care insurance allows you to supplement the enormous medical costs. We typically find that traditional long-term care policies are very expensive, so we look at a client’s overall situation to see if we can satisfy this concern in more economical means. We can use legal documents, life insurance, annuities, and a host of other methods.

Disability Insurance

According to the United States Census Bureau 19% of Americans are currently living with a disability and one out of every four persons in the US workforce will suffer a disability injury before retirement.  Disability insurance insures the beneficiary’s earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work.


A will is a legal document that sets forth your wishes regarding the distribution of your property and the care of any minor children.  Creating a will gives you sole discretion over the distribution of your assets.  However, it does not mean your beneficiaries will avoid probate.  In fact, a will can actually guarantee probate.


A trust allows a trustee to hold assets on behalf of a beneficiary or beneficiaries.  There are many different types of trusts and they can specify how and when the assets pass to the beneficiaries.  Unlike a will, a trust typically avoids probate.

Power of Attorney

A power of attorney provides the authority to act for another person in specified matters.  We can have it effective immediately or upon some specified event, such as when you become incapacitated.  They are only effective while a person is alive, not upon their passing.

Advanced Directive

An advance directive, commonly referred to as a living will, allows you to legally decide your wishes concerning medical treatments at the end of life.  One states advance directive does not always work in another state, so it is important to find out the laws where you live.

Funeral Planning

Losing a loved one is difficult emotionally. We often hear loved ones say “nothing but the best for my mom/dad” as they spend exorbitant amounts of money on flowers, coffin, and the overall funeral. However, we’ve known that the deceased was a very frugal person during their lifetime. Therefore, before you pass away we can help you set up your funeral plan and you can pick what type of funeral you’d like without breaking the bank.

Business Succession Plan

It is estimated that 70% of family businesses will not survive into the 2nd generation and 90% will not make it to the 3rd generation, according to the Family Firm Institute. With a business succession plan in place you can significantly improve those statistics. We help clients create the legal documents necessary to ensure your wishes are granted and also counsel with you on the most appropriate strategy to make your desires financially successful.