Empower Solutions

Solutions for what YOU need… not what we offer.

By asking you the right questions and listening to you, we explore the right solutions for your goals – now and in the future. We find out what is important to you and your family and the things you are passionate about. We are proud to have an excellent client retention rate and are proud to serve generations of clients over the past 17 years.

Social Security Strategies

When to take social security is a major factor in your Retirement Planning. Taking tax efficiency into account can help you decide whether it’s advantageous to delay claiming Social Security benefits and determine the best way to tap into your sources of income to meet your cash flow needs in retirement. Managing how much of your income comes from Social Security versus other sources can make a big difference in your ability to support your long-term retirement plan. We help you look at your entire Social Security Income Timing an determine your most Tax Efficient Plan.

Accounting and Tax Department

It’s not only about investment returns, it’s what you keep after taxes. Many advisors only focus on returns. We focus on both the investments and the tax consequences. We have an in-house Accounting and Tax Department on our team. Our investment planning focuses on your after-tax returns which means more money in your pocket.

Retirement Income Planning

Whether you are approaching or remaining in retirement, you can do both with confidence. Our process reviews your 401(k)s, 403(b)s, 457s, traditional and Roth IRAs, pensions, social security benefits and all of your assets. We help determine the most tax-efficient methods to withdraw assets, the optimal time to start taking Social Security benefits and develop a plan for Required Minimum Distributions (RMDs). Not only for now…but also for the future.
Covid and resulting shifts in the economy, markets and inflation have changed the way we perceive risk – especially risks surrounding retirement income. We help you determine the best plan for your assets and goals.

Insurance Platform

When looking at any type of financial planning insurance can protect more than just physical assets. We specialize in helping look at the whole picture to safeguard your retirement nest eggs and income. We have a very comprehensive financial platform offering which we work with you to create your financial planning strategy. Included, but not limited to:

  • Accident Insurance
  • Critical Illness Insurance
  • Dental Insurance
  • Disability Insurance
  • Final Expense Life Insurance
  • Funeral Trust Insurance
  • Health Insurance
  • Homeowners Insurance
  • Indexed Universal Life Insurance
  • Life Insurance
  • Living Benefits Insurance
  • Long Term Care Insurance
  • Medicaid Crisis Planning
  • Medical Travel Insurance Single
  • Medical Travel Insurance Group
  • Medicare Insurance
  • Medicare Supplemental Insurance
  • Mortgage Protection Insurance
  • Short- Term Major Medical Insurance
  • Vision Insurance

Wealth Management

Wealth Management is a very client-centered process focused on developing a roadmap to help clients build, protect, and transition their wealth. This process includes reviewing all areas of their financial life including retirement, taxes, legacy, and business planning.

Investment Planning

Once we have established your income plan, we work to create an investment plan for you which typically will include:
  • Assessing your risk tolerance
  • Adjusting your portfolio to reduce fees
  • Volatility control
  • Evaluating ways to reduce risk while still working toward your goals
  • Comprehensive institutional money management

Estate Planning

As registered investment advisors, it is our duty to help make the best choices to benefit you, our client. When planning an estate, we will help you determine the average of your current income (and likely future income), annual expenses, current assets and debts, and the important tax implications that can hinder or assist your estate. We truly understand the complexities and have helped generations with estate planning.

Tactical Portfolio Management

We offer professionals with the expertise to provide our clients with Tactical asset allocation. The target allocations are based on factors such as the investor’s risk tolerance, time horizon, and investment objectives and goals.
Strategic or Tactical asset allocation is a portfolio strategy whereby the investor sets target allocations for various asset classes and rebalances the portfolio periodically.

Estate Wills and Trust Planning

Many families employ trusts as a component for their comprehensive wealth management. We offer experienced trust professionals along with accountants and attorneys who specialize in Trusts and Wills.

Generational Transfers

It is important to ensure your hard-earned assets go to your beneficiaries in the most tax-efficient manner. We work collaboratively with qualified estate planning attorneys. The goal is to:
  • Maximize your estate and income tax planning opportunities
  • Protect assets in trust and ensure they are distributed – probate free
  • Prevent your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death

Philanthropic Planning

Philanthropic giving can be an expression of a person’s beliefs and values, a way to connect with others in the community or with family, and an opportunity to create a legacy that can be passed to future generations. We work to help you identify these goals and implement them for the future.

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