Business Details
Your Trusted Partner for Comprehensive Financial Planning Solutions
We are a full-service wealth management firm dedicated to providing investment management and strategic financial planning tailored to individual client needs. As independent fiduciary advisors, we prioritize our clients' best interests through customized solutions in financial planning, investment management, insurance, retirement planning, and tax optimization. Our approach combines qualitative and quantitative analysis to develop personalized strategies that align with clients' goals, risk tolerance, and life stages.With over 60 years of combined experience, our team leverages the award-winning MoneyGuidePro financial planning platform to create comprehensive, tax-efficient plans that evolve with clients' changing circumstances. We specialize in helping individuals, families, and business owners achieve financial security through transparent, fee-only advisory services that emphasize long-term wealth preservation and legacy planning.
Services
Financial Planning
Investment Management
Insurance Planning
Estate Planning
Tax Optimization
Corporate Retirement Plans
Highlights and features
- We operate as fiduciaries, legally bound to act in your best interest
- Our team has 60+ years of combined experience in investment and tax planning
- We utilize the award-winning MoneyGuidePro financial planning platform
- Specialize in tax-efficient strategies for high-net-worth individuals
- Offer customized corporate retirement plan solutions for business owners
Services
Financial Planning
Our financial planning service creates personalized roadmaps to achieve your life goals through strategic money management. We analyze your current financial situation, risk tolerance, and future aspirations to develop comprehensive plans covering retirement, education funding, and wealth preservation. Our MoneyGuidePro-powered process ensures tax-efficient strategies that adapt to life changes while maintaining focus on long-term objectives.
Investment Management
We provide customized investment management solutions aligned with your financial goals and risk profile. Our approach combines modern portfolio theory with active tax-loss harvesting strategies to optimize returns. We offer access to low-cost ETFs, individual stocks, and bonds while maintaining fiduciary oversight of your assets through regular performance reviews and strategic rebalancing.
Estate Planning
Our estate planning service ensures your assets are distributed according to your wishes while minimizing tax liabilities. We coordinate with legal professionals to create wills, trusts, and power of attorney documents. Our specialists help establish beneficiary designations, minimize probate fees, and implement strategies for seamless wealth transfer to future generations or charitable organizations.
Tax Optimization
We develop strategic tax optimization plans to reduce current and future tax burdens through legal investment structures and retirement account management. Our specialists analyze income sources, investment vehicles, and estate implications to create tax-efficient strategies that preserve wealth across generations while maintaining compliance with evolving tax regulations.
Corporate Retirement Plans
We design customized corporate retirement solutions including 401(k) and defined benefit plans for business owners. Our services optimize tax savings while ensuring ERISA compliance. We help establish low-cost investment options, manage fiduciary responsibilities, and create retirement strategies that benefit both business owners and employees through tax-advantaged savings vehicles.
People
John Henek
Firm Principal, Financial Planner and VP Investments
Certified Financial Planner with extensive experience in investment management and retirement planning. Specializes in creating customized wealth management solutions for high-net-worth individuals and business owners through tax-efficient strategies and comprehensive financial planning.
Joshua Betancourt
Firm Principal, Tax Planner, Accountant, Business Consultant
Tax planning expert and investment portfolio manager with specialized knowledge in corporate retirement solutions. Focuses on minimizing tax liabilities through strategic investment vehicles while providing business consulting services to help entrepreneurs optimize their financial planning and retirement strategies.
Questions
What services do you offer for individual investors?
We provide comprehensive financial planning, investment management, tax optimization, estate planning, and insurance planning services tailored to individual investors' needs and goals.
Are you legally required to act in my best interest?
Yes, as fiduciary advisors we are legally obligated to prioritize our clients' best interests in all financial recommendations and investment decisions.
How do you approach investment management?
We use a personalized approach combining MoneyGuidePro financial planning with tax-loss harvesting strategies, offering access to ETFs, individual stocks, and bonds while maintaining regular portfolio reviews.
What corporate retirement plan options do you specialize in?
We specialize in 401(k) plans and defined benefit pension plans for small to medium businesses, focusing on tax optimization and ERISA compliance.
How can you help with tax-efficient wealth transfer?
Our estate planning specialists coordinate with legal professionals to create wills, trusts, and power of attorney documents while implementing tax-minimization strategies for intergenerational wealth transfer.
