Areas of Focus

Initial Consulation - $500

An initial consultation with us includes a meeting about your financial goals and how we can help you. The fee may be waived if we do business.

Other Services Offered - Price Varies by Service

Please click for more information about the service provided.

Retirement Income Planning

Retirement income planning is the process of determining retirement income goals and actions and decisions necessary to achieve those goals. We will help you identify sources of income, estimate expenses, implement a savings program and manage assets.

Basic Estate Review (along with your attorney)

Estate planning is the process of anticipating and arranging for the management and distribution of that person's estate during the person's life, as well as at and after death, while minimizing gift, estate, generation-skipping transfer and income tax.

Portfolio Allocation & Risk Analysis

The disciplined process of reviewing the holdings in an account to maximize return for a given risk level. This practice looks not only at the individual positions, but also the interaction between those components to optimize the allocation across multiple asset classes.

Asset allocation is a broad strategy that determines the mix of assets to hold in a portfolio for an optimal risk-return balance based on an investor's risk profile and investment objectives.

Life Insurance Analysis

The purpose of life insurance is to provide financial protection to surviving dependents after the death of an insured. We will help to analyze your financial situation and determine the standard of living needed for your surviving dependents before purchasing a life insurance policy.

Investment Tax Planning

Tax planning considers the implications of individual, investment, and business decisions, usually with the goal of minimizing tax liability.

Tax Management Strategies

We will implement strategies such as tax-loss harvesting, avoiding capital gains’ distributions, and gifting, among others.

Risk Management Planning

The primary purpose of a financial plan is to assess an individual’s situation and identify areas where the potential for loss exists.

Business Succession Planning

Succession planning is a process by which individuals are vetted to pass on the leadership role within a company. It ensures a smooth transition of power in key leadership roles.

Cash Flow Analysis

Cash flow analysis is an examination of an individual’s cash inflows and outflows during a specific period. The analysis begins with a starting balance and generates an ending balance after accounting for all cash receipts and paid expenses during the period. The cash flow analysis is often used for financial reporting purposes.

Stock Option Planning Analysis

Evaluating the terms and conditions of stock options held, in order to make a decision on when it is best to exercise them.

Education Planning

The process of assisting in gathering the requisite assets needed to pay for a person’s college or post-secondary education.

Charitable Planning

Charitable planning goes far beyond discussing the amount a client should give to maximize his or her tax deductions. It involves conversations that evoke your clients' most deeply held values.

Protection from Long-Term Care Costs via Insurance

We all know how unpredictable life can be. Long-term care can offer a variety of services to meet a person’s health or personal care needs to assist individuals who are unable to perform activities of daily living (ADLs) on their own.

Protecting accumulated assets in retirement with long-term care insurance. These policies can ease the burden on family members and assets should a costly care situation arise.

Life Insurance Policy Analysis and Policy Selection

Life insurance is recommended for anyone who has family members that depend on them financially. We are happy to assist in the evaluation, selection, and purchase of life insurance policies to ensure your loved ones will be taken care of.

The process of reviewing existing life insurance policies to confirm the policy still fits the client’s needs and if not, what changes should be made.

*Fixed insurance products and services offered through CES Insurance Agency.

401(k) and 403(b) Plan Rollovers

Do you have a retirement plan from an old job, but are unsure what to do with it? Rolling over your assets to an IRA may be a great solution. Doing so will provide access to a wider investment selection and can potentially make you eligible for the above listed services at no additional cost.

Consolidating old employer-sponsored retirement plans to simplify retirement planning and have better control over investment options.

* If you are considering rolling over money from an employer-sponsored plan, such as a 401(k) or 403(b), you may have the option of leaving the money in the current employer-sponsored plan or moving it into a new employer-sponsored plan. Benefits of leaving money in an employer-sponsored plan may include access to lower-cost institutional class shares; access to investment planning tools and other educational materials; the potential for penalty-free withdrawals starting at age 55; broader protection from creditors and legal judgments; and the ability to postpone required minimum distributions beyond age 70½, under certain circumstances. If your employer-sponsored plan account holds significantly appreciated employer stock, you should carefully consider the negative tax implications of transferring the stock to an IRA against the risk of being overly concentrated in employer stock. You should also understand that Commonwealth and your financial advisor may earn commissions or advisory fees as a result of a rollover that may not otherwise be earned if you leave your plan assets in your old or a new employer-sponsored plan and that there may be account transfer, opening, and/or closing fees associated with a rollover. This list of considerations is not exhaustive. Your decision whether or not to roll over your assets from an employer-sponsored plan into an IRA should be discussed with your financial advisor and your tax professional.

Stocks, Bonds, Mutual Funds, and ETFs

Types of investment products.

If you'd like to talk more about how these services can benefit you and your family, contact us to learn more!

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  • How can I minimize my current income taxes?
  • I recently sold a business or real estate. How can I minimize my taxes?

We have many years of experience helping our clients navigate through these types of questions. We would love to help you, too!

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