Broker Check

People in Transition

One certainty in life is that change is inevitable. Some transitions are planned and some are unexpected. Each presents different issues, complexities and challenges, and all must be addressed. With the right approach these transitions can be empowering and opportunities to grow and learn. We work alongside you all the way

Planned Transitions

  • New job or career change –
    • A new job can be exciting, but there are many choices and decisions to be made. You will need to enroll in company benefits and determine gaps in coverage. You will need to select investment options and coordinate your planning into an overall plan that meets your specific needs. We are here to guide you all the way. Learn More
  • Marriage – Building a new life with another.
    • One of the most important times of your life. Two different financial situations with attitudes, goals and desires merging together. In a re-marriage the complexities can increase when considering other family members. We work on a team basis with you and your CPA and Attorney to oversee and guide you through the planning process. Learn More
  • Birth of a child
    • A new stage in your life. Planning for your next generation. Planning for their education and financial needs in advance and assuring your plans will complete should you not live long enough to carry them out. These are just a few of the considerations you will need to address. We help you establish needs and implement solutions to help fulfill them. It is all part of your overall financial plan. Learn More
  • Marriage of a Child
    • Your family is growing up. It is time for them to start their own lives. They will set their own course but you can still help. Educational funds for future grandchildren, a legacy for your family. These could all be concerns. As you situation changes we work on the team with your other advisors to keep you coordinate efforts and implement solutions all the way. Learn More  
  • Sale of a Business
    • A new chapter of your life. Turning the reigns over to a family member, selling to employees or an outside company. It all takes planning in advance to be articulated and carried out. If this is part of your future, we are there to help you quantify the impact on your plans. This could lead to retirement or the next steps to another chapter of your life. We are there for you. Learn More
  • Retirement
    • It is time to enjoy the fruits of your work and relax and enjoy life, but it happens when you plan in advance. It comes with a clear vision of what retirement means to you with steps to achieve it along the way. When it comes time to transition, we help you make the change from supporting your needs from earned income to unearned income from investments considering the impact of taxes and inflation on your plan. Learn More  
  • Leaving a Legacy
    • You have planned well and accumulate more than you need during your lifetime. Legacy planning is more than just finances. We arrange and conduct family meetings to educate, involve and prepare the next generation to become custodians of wealth. Working as part of a tem we help develop advance wealth transfer strategies to enhance existing plans. Planning you legacy is not simple it takes time, understanding and commitment. Learn More


Unexpected Transitions 

  • Divorce
    • This could take you by surprise and turn your world upside down. It could make you feel shaken and uncertain. We suggest you start acting sooner rather than later, but take your time making decisions. We can help you take stock of what you have and will need. We can consider the impact of taxes on settlements you might receive. Over time we can work with you to rebuild a firm foundation so you can move forward with your new life. Learn More
  • Loss of a job
    • Good planning should include a contingency for times should your income change. It might be time to go back to the drawing board and rethink what is important. As you research new opportunities we can help you understand how your new financial situation and benefits fit into your future. Learn More
  • Loss of a spouse or partner
    • When you’re suddenly take over the responsibility for managing your finances, the responsibilities may seem insurmountable. We can help you gain control by listening carefully, answering questions, explaining strategies and helping you make important life decisions. When settling an estate we work with your attorney and CPA to guide you through the process and get you back on track. Learn More
  • Taking care of a love one due to a change in their health
    • Caring for a loved one can be one of the most demanding challenges you will ever face. You might care for them at home or even in another state. The demands could cause you to have to stop working or even lose your job. Our technology helps you monitor their finances at a distance. Working with their attorney and CPA we can help you develop a plan to protect their assets and their income for their heirs. Learn More
  • Inheritance
    • Should you receive a substantial inheritance take your time and don’t make rash decisions. First, understand the tax ramifications of the inheritance. Assess your financial needs and the needs of others you might want to benefit in the future. We will help you develop a plan for this new found money and work with your attorney to help carry it through. Learn More