What We Do
We help identify and prioritize your goals
We want to understand what matters most to you and all the very important people ("VIPs") in your life. We help you visualize what each goal looks like and what each goal means to you.
We take financial inventory
We seek to understand your relationship with money, identifying what you have done so far to reach your goals, what is working well, what needs improvement, and if anything is missing—including your net worth, investments, a detailed look at income and expenses, and legal documentation* such as wills, powers of attorney, business valuations***, etc.
We provide advice, guidance and support
Know that you aren’t alone. You’ll have a team of licensed professionals in your corner whom you can rely on and ask questions of. We collaborate with other professionals in your circle to ensure alignment. We offer support and encouragement every step of the way, through life's ups and downs. We're in this together.
We hold each other accountable
Accountability drives our relationships with our clients. Our culture is built on holding ourselves accountable. More importantly, we hold our clients accountable to working toward the goals they set for themselves. We can help you implement your financial strategies and plans by following up promptly, utilizing not just email but personal phone calls to our clients. Yes, an actual human holds you accountable, not a bot!
Our Services Include:
Financial Positioning Strategies
Risk Management & Protection Strategies
Wealth Accumulation
Tax Strategies
Retirement Planning
Estate Planning**
Business and Advanced Planning
Financial Positioning Strategies
Recently moved or considering a relocation
Considering the sale of a major asset like your home, business or other real estate
Changing jobs or careers
Getting married or divorced
Adding to family through birth or adoption
Loss of a loved one
Death of a family member
Disability of a family member
Receiving a gift or inheritance
» Schedule a Financial Positioning Strategies Meeting
Risk Management & Protection Strategies
Reviewing health savings account or flexible spending account contributions
Spending any remailing balance in flexible spending accounts
Reviewing existing life, disability, long term care insurance policy coverages
Reviewing assisted living needs or medical need costs for a parent or other family member
Financial Planning for family member with special needs
Reviewing business risks and liabilities
Reviewing emergency savings fund
» Schedule a Risk Management & Protection Strategies Meeting
Wealth Accumulation
Confirming investment goals and strategy
Reviewing asset allocation and time horizon of investments
Revisiting income needs and budgeting
Analyzing cash flow in and cash flow out
Contributing to educational savings and investment accounts
Establishing a savings plan for major purchases or expense goals
Contributing to a retirement account
» Schedule a Wealth Accumulation Meeting
Tax Strategies
Income tax strategies
Alternative minimum tax strategies
Estate tax strategies
Gift tax strategies
Capital gain/loss strategies
Leveraging business entity for tax strategies
Exploring tax-free vehicles and tax-free withdrawals
Reviewing impact of any new tax laws
» Schedule a Tax Management Meeting
Retirement Planning
Understanding types of retirement accounts
Discuss Social Security and options
Distribution planning
Funding analysis
Non-Qualified versus Qualified plans
Traditional versus ROTH
Analyzing benefits of ROTH conversions or back door ROTH
Maximizing 401(k) contributions including catch-up provisions
Maximizing IRA contributions including catch-up provisions
Business owner retirement account options
Reviewing overall retirement income strategies
Deferred compensation
Pension income alternatives
» Schedule a Retirement Planning Meeting
Estate Planning**
Understanding wills versus trusts
Reviewing and understanding titling and beneficiary designations
Planning charitable giving, CRTs, CLTs, CHOLI
Financial planning for family member with special needs
Reviewing impact of any new tax laws*
Reviewing estate documents: wills, trust, power of attorney etc.
Planning for succession of a business
Analyzing estate tax implications
» Schedule an Estate Planning Meeting
Business and Advanced Planning
Executive bonus/benefit planning
Irrevocable Trusts
Trusts in special needs situations
Key Person Planning
Grantor Retained Annuity Trust (GRAT), Self-Canceling Installment Note (SCIN), generation-skipping trust
Planning for succession of a business
Employee benefits packages
» Schedule a Business and Advanced Planning Meeting
*Neither MML Investors Services, LLC or MM nor any of its subsidiaries, employees or representatives are authorized to give legal or tax advice. Consult your own personal attorney legal or tax counsel for advice on specific legal and tax matters.
**Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA. Consult them for specific advice on legal and tax matters.
We do not provide qualified business valuations. For a qualified or certified business valuation, consult a properly credentialed appraiser.