Services

We build a financial blueprint with a complete, organized view of your current financial health, goals and objectives. Based upon your unique circumstances, we put together a financial plan that reflects your assets, income needs, risk tolerance, tax requirements, insurance needs and more. We continually review the plan and monitor your progress to stay focused on your goals.

Retirement planning is at the core of our business. We believe that developing a solid retirement withdrawal strategy is just as critical as saving for retirement. Many of our clients are concerned about outliving their retirement dollars. We put you on a path to maximize your retirement savings and develop a strategy for generating income throughout your retirement.

Our team is dedicated to providing customized investment solutions for our clients considering their financial objectives, time horizon and risk tolerance. We strive to find that balance between minimizing stock market risk, managing market volatility and maximizing returns. Our process is designed to preserve and grow our clients assets in a tax-efficient manner. 

At MSA we help clients navigate the complexities of stock options (incentive and non-qualified options), restricted stock plans, when to implement a 10b5-1 plan, and we provide strategies regarding concentrated stock positions.

Defined benefit pension plans are less prevalent these days, however we have assisted many of our clients in making important decisions regarding pension and cash balance plans. We will review the details of your particular situation and provide guidance on the best course of action.

Our team often works together with our clients’ tax advisors to uncover potential tax savings and make financial recommendations that allow you to minimize your tax liability over time. We provide recommendations for tax efficient investment portfolios, and guidance on strategies including maximizing retirement plan contributions and Roth IRA conversions. 

Using our holistic financial planning approach, we help you determine your insurance needs including life, disability, and long-term care. We represent our clients, not a particular insurance company when selecting coverage for individuals, families, and business owners. Our team reviews multiple options to ensure our clients get competitive rates.  

Estate planning may sound intimidating but it is an important part of your financial plan and it is better to be prepared early instead of waiting until it’s too late. It's not just for high-net-worth individuals; it is for anyone interested in controlling what happens to their assets after they are gone. We work with your attorney to ensure the proper documents are in place to protect your beneficiaries while minimizing probate and estate taxes.

Many of our clients say one of their top financial concerns is how to fund education expenses. While there are numerous strategies with which to save for these future costs, each has benefits and limitations including tax advantages and ownership control.

We help you evaluate the most appropriate strategies for funding education expenses within the context of your overall financial plan.

As business owners we understand first hand the complexities of running a business. Our team provides guidance to help you throughout all phases of your business. We help business owners design and implement the best retirement plan to maximize contributions and minimize tax liabilities. In addition, we work with your legal and tax advisors to ensure that an appropriate succession and continuity plan is in place and reviewed periodically.