FINANCIAL PLANNING

Dedicated Financial Advisor

You will have access to a financial planning professional to answer all questions. Brittany Ringo, CFP® will personally know your planning situation.

Organization of Your Financial Information

We will help you to organize and when appropriate, consolidate, your various accounts.

Cash Flow Management

We provide a detailed analysis to outline your monthly income and expenses in order to help you implement a savings / withdrawal strategy.

Tax Planning Strategies

We will help you to optimize tax planning opportunities year to year.

Goal Setting

We will help you to establish and prioritize clear goals.

Retirement Planning

We will help you to determine when you can comfortably retire given your goals.

Employee Benefits Analysis

We will help ensure you are leveraging your best options and review open enrollment year to year.

Insurance Review

We will coordinate with professionals to verify you are insured appropriately to protect your family.

Estate Planning

We will coordinate with professionals to ensure you have a plan in place for your heirs.

College Funding

We will help to plan for college expenses for your family.

Social Security Optimization

We can help you determine the best strategy for claiming Social Security.

INVESTMENT MANAGEMENT

Dedicated Portfolio Manager

Erik Ringo, CFA, FRM, CAIA manages your portfolio in a highly customized way. We do not outsource investment management to a third party turnkey asset management program (TAMP).

Diversification

Our investment strategy is diversified across asset classes, issuers, investment styles and geographies.

Retirement Income

We help you to generate sustainable retirement income from your investment portfolios that can grow over time.

Customized Asset Allocation

Your asset allocation to equity, fixed income, and cash is customized to your unique situation.

Goals Based Investing

We provide unique portfolio construction tailored to your goals and preferences.

Tax Efficient Investing

We invest with your specific circumstances in mind to reduce tax drag on your portfolio.

Risk Management

An investment strategy designed to manage exposure to risk factors that include inflation, concentration, the equity market, the term structure of interest rates, credit, and liquidity is used.

Equity Compensation

We perform a detailed analysis of equity compensation including incentive stock options, non-qualified stock options, and restricted stock.

Concentrated Stock Positions

We can help manage the risk of a concentrated stock position in a tax efficient manner.