Personal Financial Planning
An in-depth evaluation of your financial profile will be conducted.  This includes an assessment of every aspect of your financial life and provides you with detailed, interactive recommendations.  Plans include investment management, retirement planning, estate analysis and planning, and effective tax management strategies.  It may also include cash flow analysis and education funding, if requested.

 Business Planning & Employee Benefit Plans
Just as every individual has their own unique financial needs, the same holds true for closely held businesses, corporations, and their employees.  Regardless of the size of your company or the industry it`s in, we would customize your employee benefit plans, business succession plans, and executive compensation plans, to meet the unique needs of your organization.  In addition, we would analyze your existing benefit plans to assure that your plan design allows for employees and key executives to be able to increase all their available benefits, and that your plan is compliant with regulatory guidelines.

 Retirement Plan Distribution Analysis
For investors who are about to receive a lump-sum distribution from a qualified retirement plan, this process can help you reduce taxes, increase returns, meet current tax law requirements, and avoid the 20% withholding.  This is not a task for the do-it-yourselfer.  A small mistake can be catastrophic.  Please keep in mind that Family Wealth Advisors is not a tax advisor. 

 Retirement Income Analysis
Will your current investments allow you to retire when you choose?  If the retirement income analysis indicated that your current investments are not sufficient for your retirement goals, we will discuss alternatives that may be more suitable to you in light of your individual risk tolerance and investment objectives.

 Estate Preservation and Charitable Giving
At a person`s demise, there can be tremendous expenses such as estate taxes and probate.  If you fail to do proper planning, this can create an overwhelming financial burden on those who are left behind.  For the philanthropic, we will show you tools that can benefit your favorite charity, foundation, or alma mater.  We will work with you to develop an overall strategy that would increase the amount passing to your heirs in a more tax efficient manner.    

 Investment Management
Diversification is one of the most critical components of any financial plan.  It is an investment approach for a balanced, well-allocated portfolio, in which your assets are apportioned among various investment types and classes.  We utilize an on-going, disciplined approach to investment management.