Services

A custom fee-based portfolio designed to meet your investment goals is the core of our Circle of Wealth. As independent advisors, we select from a wide variety of non-proprietary products and collaborate with leading investment managers across the country to deliver world-class models for our clients.

• Custom portfolio construction
• Fee-based transparency
• Ongoing monitoring and adjustments

Tax considerations are woven into every recommendation we make. In conjunction with your accountant, we offer proactive tax planning that is designed to reduce your burden year after year.

• Strategic asset allocation
• Tax-loss harvesting and gains management
• Roth conversion analysis

We work hand-in-hand with your attorney to help ensure your assets are seamlessly transitioned to your chosen heirs. Too many advisors treat estate planning as someone else’s problem. We don’t.

• Beneficiary designation review
• Asset titling strategies
• Trust funding analysis and support

We provide honest assessments of your insurance policies to secure adequate coverage without unnecessary premiums. If needed, we’re happy to implement our recommendations in coordination with your preferred insurance agent.

• Comprehensive review of home, auto, and other specialty policies
• Coverage report highlighting underinsured or overinsured areas
• Implementation support with your insurance agent

How do you want to be remembered? We help you develop a legacy plan that reflects your values, honors your family, and helps ensure your impact extends long after your passing.

• Tax-optimized charitable giving strategies
• Philanthropy planning for major gifts
• Coordination with your family and attorney

Retire with the confidence you won’t outlive your assets. We craft sustainable income streams using your savings, Social Security, pensions, and other assets to maximize the funds you’ve worked so hard to save.

• Tax-efficient distribution planning
• Social Security benefit strategies
• Stress testing and monitoring

We conduct comprehensive reviews of your insurance needs and recommend coverage for life’s ups and downs. As your life changes, your policies will be updated to ensure you are always covered should the unthinkable happen.

• Annual policy reviews with beneficiary updates
• Coverage updates based on life events
• Objective advice and recommendations