Wealth Management

Bringing together all the pieces of your financial life is a challenging task. From retirement saving, to investing, to estate planning, to taxes and everything in between, "finances" can have a different meaning for each person. Your goals, concerns and situation are unique; so you need a plan that is unique as well. Additionally, you need a plan that is flexible to the changes and events your family will experience over time.

Retirement Planning
You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you'll need to satisfy your future lifestyle. That's not as easy as it sounds, because retirement planning is not an exact science. Your specific needs depend on your goals and many other factors.

Investment Planning
A successful investor maximizes gain and minimizes loss. Though there can be no guarantee that any investment strategy will be successful and all investing involves risk, there are some basic principles that may help you invest more successfully.

Estate Planning
By definition, estate planning is a process designed to help you manage your assets while you are alive or incapacitated, and to distribute your assets after death, to your specific wishes. But what estate planning means to you specifically depends on your age, health, wealth, lifestyle, life stage, goals, and many other factors.

Tax Planning
Effective tax planning is a long-term, year-round process, and cannot be executed in the waning days of December. Tax planning should ensure “tax efficiency”, when handling all elements of a plan. Working with your CPA, we help deploy various strategies like deferral shifting and tax-efficient investing.

Charitable Giving
When developing your tax and estate plan, you can do well by doing good for others. Making a charitable gift, gives you a sense of personal satisfaction, because it provides support a cause or community. However, careful planning is needed so that your charitable gift may be tax deductible.

Business Succession Planning
One of the important decisions a business leader must face is when and how to step out of the business. When do you expect to retire from your business? Do you have a plan in place? What would happen to your business if you were to die today? Do you have children you hope to bring into the business? These are questions only you can answer, and your answers will lead you and your financial, tax and legal advisors to a course of action.


See any services that you would like more information about? Call our office and speak to a member of our team today to get started on your path to a clear financial future.


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Investment Updates

Investment advisory services offered through Lumin Financial LLC, which is an independent Registered Investment Adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed on this site.


Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.