Striving to Elevate & Accelerate Your Wealth Today, for Tomorrow

Why Work With Mike?

“We’d like to retire at the beach” . . . When meeting with potential clients, I often ask, “if money were no object, where would you see yourself retiring?” The most common response is some form of “We’d like to retire at the beach.” There isn’t a close second answer, even though not everyone wants to literally retire at the beach. While some may prefer a mountain town, their hometown in the Midwest, a life in Europe or South America, it is fascinating that psychologically, most people equate their end goal to being beachfront.

When it comes to financial planning, it’s imperative to start with the end in mind. Where is it you want to go? What is it you want to accomplish? Whether your financial goals are short-term (purchasing a home or a business), mid-term (sending kids to college or buying an investment property) or long-term (selling a business or retirement), all goals start with understanding what you want to accomplish.

As a fiduciary, we put YOU first, while seeking to demystify what is thought to be a very complicated process….financial planning. Our intent is simple and direct – We seek to help our clients keep their money (tax planning), grow their money (investment management), protect their money (insurance planning), spend their money (retirement distribution) and leave their money as desired (estate planning).

Let us help you get to YOUR beachfront!

Link to: Investment ManagementLink to: Financial Planning

“The most important quality for an investor is temperament, not intellect.

You need a temperament that neither derives
great pleasure from being with the crowd or against the crowd.”


~ Warren Buffett

Areas of expertise

FINANCIAL POSITIONING

Cash Flow

  • Cash flow analysis
  • Budgeting

Debt Management

  • Current debt analysis
  • Debt restructuring
  • Mortgage options
  • Financing options

Emergency Fund

  • Structure and funding

RETIREMENT PLANNING

Accumulation Phase

  • Retirement goal setting
  • Retirement income projections
  • Employer-sponsored retirement plans
  • IRAs and Roth IRAs
  • Saving strategies

Distribution Phase

  • Income distributions strategies
  • Social Security optimization
  • Medicare/Medigap
  • Required minimum distributions
  • Pension options

INVESTMENT PLANNING

  • Portfolio analysis
  • Asset allocation
  • Security selection
  • Cost and fees
  • Concentrated stock positions
  • Stock options and restricted stock
  • Non-qualified deferred compensation
  • Education funding
  • Major purchase funding strategies

PROTECTION PLANNING

  • Life insurance
  • Disability income
  • Long-term care insurance
  • Health insurance
  • Homeowner’s insurance
  • Automobile insurance
  • Excess liability coverage
  • Group coverage

ESTATE PLANNING

  • Wills & Trusts coordination 
  • Beneficiary designations
  • Powers of attorney
  • Health care proxies
  • Guardianship for minors
  • Special needs planning
  • Business succession planning
  • Legacy planning
  • Gifting strategies
  • Federal and state estate taxes

TAX PLANNING

  • 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