Who We Serve

What all of our clients have in common is that in their own way they want to get the most out of life. They know they want to make good decisions around their wealth and they have a sense that their wealth is more than the numbers at the bottom of a balance sheet. Generally we find each other in one of three stages of their financial lives and we would describe that in the following way::

Accumulation Phase:

In this phase you are generally focused on saving as aggressively as you can and thinking about ways to generate wealth. You may run a growing business, be climbing the corporate ladder, or expanding your capacity as sales people. Your goals tend to be more about growth, financially, professionally and personally.

Financial Independence:

The financial independence phase is generally focused on the transition from living off of working income to having lifestyles supported by investments, pensions, or businesses that are still generating cash flow. Identifying what is needed to support your lifestyle and getting a sense of confidence before making that transition is key as well as planning well ahead to establish the necessary resources.

In this phase you may also be a business owner who is selling your businesses or have inherited wealth and may be more concerned with asset preservation and diversification. You may also have begun the thought process of what you are leaving to the next generation and how to be a good steward of what you have built and accumulated over your lifetime. Beyond the financial you may be exploring new challenges in the next phase of your life and setting new goals.

Transcendence:

To transcend, according to Meriam Webster, means to go beyond or rise above. In this phase of life you still need to be confident and clear that your own needs are being met, but your priorities have shifted to making a difference beyond yourself and being intentional with your personal legacy. You are often interested in making an impact beyond your family toward social and charitable causes. You may seek clarity on what you can accomplish and the most effective planning concepts to capitalize your social and family capital.