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

upward view of buildings

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.