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10 Grand Central, 155 East 44th Street, 12th Floor, New York, NY 10017

212-849-3100
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How We Can Help

We're dedicated to delivering bespoke wealth management solutions tailored to your unique needs. Our multidisciplinary team collaborates to provide personalized strategies that encompass investment management, tax optimization, estate planning, and risk mitigation. By integrating these services, we aim to preserve and grow your wealth, ensuring a lasting legacy for future generations.

Comprehensive Financial Planning

Comprehensive Financial Planning

Our comprehensive financial planning services help you define and achieve your long-term goals. We provide a tailored plan that brings your financial picture into focus, addressing cash flow, savings strategies, and lifestyle considerations.

  • Budgeting and cash flow management
  • Goal-setting and financial strategy creation
  • Integration of short-term and long-term planning

The Six Areas of Financial Planning

  • Wealth Management

    We specialize in managing, growing, and protecting your assets with a disciplined, strategic approach. Our solutions are tailored to your risk tolerance, timeline, and goals.

    • Portfolio Analysis

    • Asset allocation

    • Security selection

    • Cost and fees

    • Concentrated stock positions

    • Stock options and restricted stock

    • Non-qualified deferred compensation

  • Tax Mitigation Strategies

    Reduce your tax burden and maximize savings with proactive strategies tailored to your unique financial situation.

    • Deductions and credits

    • Tax efficient investing

    • Asset location

    • Ownership structures

    • Cost basis analysis

    • Tax loss harvesting

    • Carry forward losses

    • Health savings and flexible savings accounts

    • Liquidation strategies

    • Roth IRA conversions and re-characterizations

  • Risk Management

    Protect yourself and your loved ones from unforeseen challenges with tailored insurance solutions.

    • Life insurance

    • Disability income

    • Long-term care insurance

    • Health insurance

    • Homeowner’s and renter’s insurance

    • Automobile insurance

    • Excess liability coverage

    • Group coverage

  • Retirement Planning

    Navigate the critical years before retirement with confidence. 

    • Accumulation Phase

    • Retirement goal setting

    • Retirement income projections

    • Employer sponsored retirement plans

    • IRAs and Roth IRAs

    • Fixed and variable annuities

    • Saving strategies

    • Distribution Phase

    • Income distributions strategies

    • Social Security optimization

    • Medicare/Medigap

    • Required minimum distributions

    • Pension options

    • Income annuities

    • Gap Year Planning

    • Income stream planning for gap years

    • Pre-retirement investment adjustments


  • Multi-Generational Wealth Planning

    Preserve your family’s legacy and build a plan that ensures financial security for generations to come.

    • Wills

    • Beneficiary designations

    • Powers of attorney

    • Health care proxies

    • Living wills

    • Trusts

    • Guardianship for minors

    • Special needs planning

    • Business succession planning

    • Charitable giving

    • Legacy planning

    • Gifting strategies

    • Federal and state estate taxes

  • Financial Position

    Establish a baseline to help identify the proper steps to take so we can help you reach our goals

    • Cash Flow

    • Cash flow analysis

    • Budgeting


    • Debt Management

    • Current debt analysis

    • Debt restructuring

    • Mortgage options

    • Debt reduction strategies

    • Credit score management

    • Financing options

    • Loan vs. lease


    • Emergency Fund

    • Structure and funding


    • Large Expenses

    • Education funding

    • Major purchase funding strategies


Tax-Diversified Income at Retirement

Taxes can have a significant impact on the amount accumulated and the income that can be generated at retirement. Diversifying the income tax treatment of sources of retirement savings can make a considerable difference in the growth of principal and the net income available during retirement.

Lets examine some options:

Tax Advantaged Accounts

Make after-tax contributions to savings and generally pay no taxes on growth or withdrawals.


Examples:

Roth IRA, Roth 401(k), municipal bonds, Permanent Life Insurance (cash value)

Taxable Accounts

Make after-tax contributions and pay taxes on annual income earned, or pay capital gain texes on withdrawals.


Examples:

Cash, checking, CDs, money market, brokerage accounts

Tax Deferred Accounts

Make potentially tax-deductible contributions to savings and defer taxes until withdrawals are taken.


Examples:

 401(k), 403(b), 457, Traditional IRA, SEP, SIMPLE, pensions, annuities

By implementing an asset allocation strategy today in which you diversify sources of income, you may be able to strategically reduce and time the payment of taxes. In this way, your future income may be maximized without the need to contribute more to savings.

The ‘tax triangle’ above includes general information about various financial vehicles. Your specific situation and/or use of certain financial vehicles may have different tax implications than those indicated above. Representatives do not provide tax and/or legal advice. Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice.  Clients should confer with their qualified legal, tax and accounting advisors as appropriate.

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