Financial Planning

 Our approach to financial planning is comprehensive. The following are just some of the areas we specialize in with regard to your unique financial plan:

  • Wealth Management
  • Risk Management
  • Individual Retirement Planning/Projections
  • Estate Planning
  • Trust Planning
  • Legacy Planning
  • Multi-Generational Wealth Strategies
  • Family Meeting Facilitation
  • Tax Planning
  • Education Planning
  • Banking Services & Cash Management
  • Philanthropic Planning
  • Investment Policy Statements

Wealth Management

 Our professionals pride themselves on managing our clients’ assets in-house. The goal of our Chief Investment Officer and his team is to spend their time making certain your investments continue to fit the unique needs of your family or business.  We primarily maintain a fee-based approach that is calculated using a percentage of your assets.  We employ many different types of investments into our clients’ portfolios to help ensure necessary diversification while simultaneously adhering to a strict process of due diligence*.  Some of the investment vehicles we evaluate for our portfolios include:

  • Brokerage Account Services
  • Mutual Funds, ETFs, Individual Equities, Master Limited Partnerships and other publicly-traded equity investments
  • Sovereign, Corporate, Municipal and Mortgage-Backed bonds and other fixed-income instruments
  • Fixed Annuities
  • Variable Annuities
  • SPIA Strategies
  • REITs
  • Private Equity
  • Private Debt
  • Oil & Gas Partnerships
  • Equipment Leasing
  • Hedge Funds
  • Income/Dividend Funds
  • Managed Futures
  • Currencies/Non Dollar-Denominated Holdings


Business Planning

Our team of seasoned professionals can guide a business owner through the myriad of decisions and solutions available to help maximize the value of the business while protecting the family of the business owner. Some key areas of specialization include:

  • Qualified Retirement and Compensation Plans, including defined benefit plans, 401(k) and profit sharing plans, and a myriad of other deferred compensation and defined contribution plans, right down to the SEPs and Simples.
  • Buy/Sell Agreements
  • Succession Planning
  • Exit Strategies
  • Ownership Agreements
  • Executive Compensation


Planning for Unexpected Events

We recognize that there are some events that occur in life that you cannot plan for.  That is why we take the time to help make sure you and your loved ones are as protected as possible.

  • Life Insurance
  • Long Term Care Insurance
  • Disability Insurance
  • Benefits Consulting
  • Medicaid Planning

 

 

*Using diversification as part of your investment strategy neither assures nor guarantees better performance and cannot protect against loss of principal due to changing market conditions.

Our Team

Scott E. Tobe Marc L. Tannenbaum, ChFC Aaron A. Leaman, CFA Deborah F. Graver, CFP®, CLU®, AIF® Michael H. Milarski Seth C. Dresbold, Esq. Serina Green Jessica Goff Jotie Hirkissa Courtney Albitz Stephen Tobe

Latest News

Some recommended reading