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Sample Client Descriptions

As you explore our site, we would like to help you gain an understanding of what a relationship with our firm is like. Although each client is unique, the ideal relationship begins with an initial meeting to discuss the circumstances that have motivated you to this search. During the initial meeting, Scott will work to develop an understanding your current situation and establish the next steps with you.

Below are descriptions of some of the types of situations that we work with and
the potential strategies involved. Perhaps you will find some similarities to your own family.

Pre-retirement Planning

One of the most common relationship starters for us is when a couple begins to formulate serious retirement plans. These individuals have often started to think about a range of time when they would like to retire (or as least be financially able to slow down and transition from working). Their ages are usually between 50 and 65. 

  • Reviewing their Social Security and Pension options
  • Evaluating the amount of their savings and whether it will be sufficient
  • Transitioning the investment management of their retirement savings
  • Considering life insurance policies that they have and whether to keep, replace, or cancel them
  • Evaluating the need and options for long term healthcare strategies
  • Solidifying decisions to address beneficiary and estate planning options


Although it is never pleasant to see someone in emotional pain, some of the services that we have provided have been to those who have experienced death and divorce. When available, we encourage the desired involvement of adult children and family.

Some of the ways that we have helped in these situations are:

  • Helping to locate and contact all of the financial institutions where accounts are involved
  • Evaluating beneficiary payout options and how the results of these choices best fit client needs
  • Recommending and/or working with attorneys in response to estate tax regulations and procedures
  • Evaluating resources to address and deal with reduced income situations

Early Stage Planning

We have often been amazed by the observations of just how much of an impact financial decisions made early and midway through life impact a person’s financial condition later in life. Some of the situations where we have absolutely been able to help change lives are when clients seek our help in making normal financial choices.

Some examples of the type of life impacting choices that we help with are:

  • Explaining and giving direction to the significance of choosing account type (Roth, IRA, 401k, 529, TOD/POD, UTMA, etc.) and the percentage of contributions that should be allocated
    • Each of the different account types cause different experiences to our tax returns in the year of contribution and at the time of withdrawal. One of the most interesting examples where we see investors getting this wrong is with Roth IRA’s. Most people have heard of the benefits of growing money tax free and never having to pay tax on Roth IRA distributions during retirement. However, the fact that taxpayers should receive an allotment of standard tax deductions (approximately $20k annually for married couples) is often overlooked. What this means is that over funding a Roth could cause you to pay tax on income now, that could have been avoided entirely. And conversely, the potential immediate benefits of IRA/401k contributions should be weighed against the potential adverse effects on the taxability of Social Security benefits that withdrawals from these accounts may cause. We help plan for future account values and withdrawal patterns. By being able to foresee how these different choices will impact your tax return now and later, we are able to help you seek to optimize your financial benefit.
    • Another consideration for many families with children is how and when to start funding college accounts. Since even high income families don’t have unlimited resources, this often involves evaluating the options of which objectives should be prioritized and strategies for sacrifice on the others.
  • Providing investment management services
  • Helping to evaluate the wisdom and results of whether retirement account assets should be used to pay down debt, fund a home purchase, pay college tuition, etc.
  • Guidance in determining correct amounts of life insurance for different family members
  • Helping to determine when to exercise employee stock options or restricted investment shares

Small business owner

Scott has an avid passion for small business owners. They have expressed he can help work with them in the following ways:

  • Evaluate and determine the suitable company retirement plan
    • Which tax benefits suit the current situation and when should we evaluate change
    • Providing professional advice on investment option choices
    • Meeting individually with employees to help them participate in the plan
    • Helping to coordinate plan requirements and contributions
    • Reducing complexity
  • Determining the appropriate strategy for disability insurance protection
  • Evaluating life insurance options (especially valuable in multiple owner, buy/sell situations)