Powers of Attorney

 

A Power of Attorney ("POA") is a legal document giving another person ("Agent") the power and ability to act on your behalf ("Principal"). The Agent can have broad or limited legal authority to make decisions about the Principal's property, finances or medical care.

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POA For Finances

This type of POA allows your Agent to: 

• write checks for you or withdraw money from your bank account

• make investment decisions for your, or

• execute legal documents on your behalf

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POA For Healthcare

This type of POA allows your Agent to communicate with medial professionals and make health care decisions on your behalf. A POA for Healthcare can be useful to prevent unwanted treatments if you were to become incapacitated. 

Investment Planning

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I am here to act as your investment planning partner. Whether you're planning for retirement in the next 20 years or you're planning to put your child through college and graduate school at a private university, I am here to help make those plans a reality. 

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Together, we will work through many topics, including:

• the amount of money you should save,

• the types of accounts you need,

• the kinds of insurance you should have, and

• estate and tax planning.

 

My goal is to guide you through the entire investment process and make sure you understand what is involved in meeting your financial goals. By synthesizing all of your personal information into a comprehensive investment plan, we will collaborate to create a financial roadmap for your future. 

Wills & Trusts

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A well-crafted estate plan ensures that a person's assets will be smoothly passed on to his or her chosen beneficiaries, after one passes away. The absence of an estate plan can lead to family conflict, higher tax burdens, and unnecessary probate costs. 

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Last Will & Testament

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A Will is a legal document that sets forth your wishes regarding the distribution of assets and the care of any minor children. Failure to prepare a Will typically leaves decisions about your estate and your children in the hands of judges or state officials, and may cause family strife.
 

Trust

A Trust creates a fiduciary relationship in which one party ("Grantor") gives another party ("Trustee") the right to hold title to property or assets for the benefits of a third party ("Beneficiaries"). Trusts are established to:

• provide legal protection for the Grantor's assets, and

• make sure those assets are managed and distributed according to their wishes, both during their lives and after their death.

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Benefits of a Trust: 

• avoid probate (saves you time and money)

• protect assets from creditors and ex-spouses

• useful when leaving assets to children, mentally handicapped individuals or spendthrifts

• allows you to control distribution of non-probate assets

Portfolio Management

 

As your investment advisor, I will work with you to set up an asset allocation that fits both your risk tolerance and risk capacity. This asset allocation will determine what percentage of your total financial portfolio will be distributed across various asset classes.

 

While your portfolio will take into account my investment philosophy, it will primarily be constructed to fit your needs. Your investments will be based on how soon you need access to the money, as well as your present and future goals. 

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Overall, I am here to:

• assist you in making better financial decisions,

• help keep you on track by removing emotion from your decision-making process, 

• make suggestions about the best strategies to implement to improve your financial well-being, 

• evolve your portfolio so that your investment plan always fits with your current occupational and familial situation, and

• make sure that your money is deployed in the most productive and cost-effective way possible.