Today’s financial world is complex. But, with the right financial partner, it doesn’t have to be. You need confidence and clarity from your financial team. That’s why we never hide behind complicated jargon or push a one-size-fits-all solution. Rather, we provide straightforward, actionable guidance that you can trust.

Our wealth management and retirement plan teams use our in-house experience and expertise to help our clients achieve their financial goals. We uncover missed opportunities that help our clients minimize their taxes and maximize their wealth.

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Wealth Management

Spend less time worrying about your financial life. Successful individuals and families need different tools to preserve and grow wealth. We help our clients understand their options and develop strategies to meet multi-generational and philanthropic goals.

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Investment Advisory

Get the investment advice that’s right for you. We follow a disciplined due diligence process to ensure that we fully understand the investments that we recommend. Our thorough process allows us to create strategies that match our clients’ investment goals and objectives.

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Third Party Administration

Company retirement plans are important to us. Our team of actuaries and analysts can provide the high level of attention and service that our clients deserve. We handle the day-to-day details and ever-changing regulations of company retirement plans.

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Retirement Plan Consulting

Retirement Plans are flexible. We educate businesses on plan design possibilities. Whether a client’s goal is to attract top talent, maximize tax-savings for the company’s principals or achieve other unique objectives, we have the expertise to customize a plan specifically for our clients.

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Financial Planning

Own your financial future. Our clients often have an idea of what they want in retirement but are unsure of how to achieve it. We work with our clients to provide clarity and confidence around the financial decisions encountered during the different stages of life.

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Tax Strategies

Keep and grow the wealth you’ve worked so hard to build. The tax code is vast, yet certain regulations provide opportunities to minimize your tax bill. Working closely with our clients and their other advisors, we identify strategies to help our clients keep more of what they have earned.

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Recent Blog Posts

Participant loans are a popular feature of 401(k)s and other qualified retirement plans. It is safe to say that if employees didn’t have the ability to borrow from their retirement account when times were tough, some number of these employees simply wouldn’t contribute to the plan in the first place.  This article goes over some of the rules related to participant loans. 

Loans Are Deemed Taxable Distributions until Proven Otherwise

The first thing the Internal Revenue Code says about participant loans is, if you take a loan, it’s treated as a taxable distribution from the plan. That’s pretty harsh. Fortunately, there are some exceptions that, if met, will allow the participant loan not to be deemed a distribution. These are the common rules about participant loans that are familiar to many. To avoid a deemed distribution, loans must be: 

Participant Loan Basics

Hello summer.

I have teenage girls so summer arrives with an energy in my house that is filled with sleepovers, karaoke, ice cream and late night laughter. Summer is a season where people slow down a bit to catch their breath. In a world so busy with meetings, deadlines and projects, it can be nearly impossible to downshift.  To celebrate summer and a downshift, I am replacing my blog post with a word search. 

For a print version, click anywhere in the word search to bring up a printable pdf.

401(k) Word Search

See our recap of May's key statistics and market commentary below. 

Noteworthy Numbers

The S&P 500 suffered its first monthly loss of 2019. The index fell 6.35% during the month, but it is still positive by 10.74% year-to-date. 

 

The yield on the 10-year Treasury bond finished the month yielding 2.14%. The yield at the end of April was 2.51% and started the year yielding 2.69%.

  

The energy sector fell 11.14% during the month of May, the worst performing sector in the S&P  500. The sector is positive by 3.53% year-to-date.

 

Investor Insights - June 2019

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