In specific conditions, the captain will deploy the spinnaker to take advantage of a specific wind condition. Our additional financial planning services are focused on helping you leverage your wealth to address more specific and unique pain points. Please note: This service is independent of the other services previously described.

Life Stages Planning

Early Career:
  • First Home Purchase — Independent analysis and recommendation on budget size and mortgage options for residential home purchases.
  • Company Benefits Planning — Independent analysis and recommendations for employer-sponsored retirement benefits, life, health and disability insurance.
  • Debt Management — Create strategies for business and personal debt restructuring, including student loan debts.
Accumulation Life Stage:
  • College Planning — Tax-advantaged college savings plan strategies.
  • Buy/Sell Real Estate Transactions — Independent analysis on real estate investments and qualified real estate exchange planning.
  • Retirement Account Consolidation — Qualified rollover planning.
  • Specialized Insurance Planning — Captive insurance strategies.
Pre and Post Retirement Life Stage:
  • Social Security Optimization — Social Security benefits can be optimized to your specific situation and can provide increased income to help create a successful retirement plan.
  • Long-term Care Planning — Specialized insurance strategies to pay for costs associated with long-term health care.
  • Health Care Gap Strategies — Medigap and Medicare supplement planning.
Special Circumstance Planning:
  • Estate Planning — A complete plan review and the comprehensive creation or update of all legal estate documents.
  • First Home Purchase — Independent analysis and recommendation on budget size and mortgage options for residential home purchases.
  • Divorce and Marital Separation Consulting — Qualified Domestic Relations Order planning and rollover management. Asset valuation services, guidance on asset sales and asset transfers.
  • Job Change Planning — Benefits analysis and incentive negotiation strategies.
  • Socially Responsible Strategies — We can create financial plans that align with your environmental, social and company governance beliefs.
  • Location Change Planning — Budget management and recommendations for liquidating, transferring and purchasing assets during a relocation.
  • Incentive Stock Options Strategies — Independent analysis, recommendations for acquisition and disposal of company stock option packages.
  • Concentrated Stock Position — Manage concentration through an option strategy.
Business Consulting:
  • Business Succession Planning — Create strategies and manage the transfer of a privately held business to your designated successor(s).
  • Business Acquisitions Planning — Create an independent valuation and acquisition plan.
401k and Pension Consulting:
  • Plan Development and Implementation — Create custom benefits programs, executive compensation solutions, investment offerings, advisory, and ongoing due diligence services.

Core Investment Management

Like the ballast that keeps a ship steady in calm and stormy seas, core investment management is the foundation of growing and preserving wealth over time.

Foundational Financial Planning

No part of a sailboat has a greater impact on its speed than the mainsail. This level of service offers comprehensive financial planning that accelerates you toward your goals.

Advanced Financial Planning

When moving against the wind, a sailboat’s captain will adjust the Jib to gain speed and stay the course. This service is our most robust offering and helps families both grow and preserve their wealth while navigating their daily financial decisions.