About

We believe in the value of relationships. We view every client relationship like a partnership, and truly believe that our success is a result of your success. We are committed to providing the highest level of service and attention to our clients. We take pride in giving you the assurance that you receive the level of service that comes from years of educational and technical training and experience.

Our areas of practice and services include the following industries:

  • Investment advisors and their general partnerships
  • Entertainment, both individuals and business entities
  • Real estate investors
  • Family Owned Businesses
  • Manufacturing companies

Our services offered to high-net worth individuals and privately held business includes the following:

  • Federal and Multi-State tax consulting and tax compliance services,
  • Accounting, business management and business advisory services,
  • Risk Management,
  • Dispute Resolution with Taxing Authorities,
  • Financial and Retirement consulting,
  • Payroll Reporting, QuickBooks® setup, support and training,
  • Business startup services, and Monthly bookkeeping,
  • Compilation of Financial Statements.
  • Real Estate Asset Management, Acquisition, Disposition, Due Diligence and Financing
  • Life Insurance and Fixed Annuities

 Asset and Property Management:  We offer comprehensive management and leasing services that relieve investors of day-to-day operational details, allowing them to focus on their core investment business.   Our management philosophy is fundamental:

  • Maximize cash flow
  • Enhance value by increasing revenue
  • Improve return on investment by stabilizing and controlling expenses

Our attention to detail and proactive management strategies are designed to increase long-term asset value by coupling high tenant retention with strong, forward looking marketing, supported by sophisticated financial analysis and reporting. Each property is managed according to a comprehensive business and operating plan, with the goal of maximizing profits for owners, investors and institutions.

Commercial Building Sales: For property owners and investors, we offer a full service investment focus offering memorandum with current financing options.

  • Comprehensive market analysis
  • Cash flow projections based on current and future market cycles
  • Due diligence coordination
  • Offering memorandum drafting, analysis and critique

Tenant Representation: We offer comprehensive tenant representation services for entrepreneurs seeking office space in markets throughout the country.  An array of leading-edge technology provides complete analysis and demographic market data, allowing us to quickly identify opportunities and align them with client growth strategies.  Our Tenant Representation consulting services employ a comprehensive approach overlaid with deep financial expertise.  This experience and market knowledge has proven invaluable in guiding clients through a systematic market evaluation process.

Life Insurance and Fixed Annuities A recent Standard and Poor’s report, paints a rosy picture for 2015 with optimistic forecast on S&P 500 earnings, consumer spending, and an almost positive view that the US Economy no longer needs to be simulated.  While we welcome this view, this optimistic forecast shed little insights into how and when do we move past a low rate environment?  Recently, we have worked on a number of low risk product opportunities that balance principal protection and accumulation.  These products are suitable for high wage earners that seek a long term benefit today.

Some of the benefits are:  Tax Protection, Principal Protection, Growth, Long Term Provisions

Life Insurance Planning:  Life insurance can be an important component of your overall financial plan—learn how it works and how to determine your needs.

What Is Life Insurance: A life insurance policy is a contract with an insurance company. In exchange for premiums (payments), the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries in the event of the insured’s death.  Typically, life insurance is chosen based on the needs and goals of the owner. Term life insurance generally provides protection for a set period of time, while permanent insurance, such as whole and universal life, provides lifetime coverage. It’s important to note that death benefits from all types of life insurance are generally income tax-free.

There are many varieties of life insurance. Some of the more common types are discussed below.

Term life insurance:  Term life insurance is designed to provide financial protection for a specific period of time, such as 10 or 20 years. Typically, premiums are level and guaranteed for that time. After that period, policies may offer continued coverage, usually at a substantially higher premium rate. Term life insurance is generally a less costly option than permanent life insurance.

Needs it helps meet: Term life insurance proceeds are most often used to replace lost potential income during working years. This can provide a general safety net for your beneficiaries and can also help ensure the family’s financial goals will still be met—goals like paying off a mortgage, keeping a business running, and paying for college.  It’s important to note that, although term life can be used to replace lost potential income, life insurance benefits are paid at one time in a lump sum, not in regular payments like paychecks.

Universal life insurance Universal life insurance is another type of permanent life insurance designed to provide lifetime coverage. Unlike whole life insurance, universal life insurance policies are flexible and may allow you to raise or lower your premium or coverage amounts throughout your lifetime. Like whole life insurance, universal life also has a tax-deferred savings component, which may build wealth over time. Additionally, due to its lifetime coverage, universal life typically has higher premiums than term.

Needs it helps meet: Universal life insurance is most often used as a flexible estate planning strategy to help preserve wealth to be transferred to beneficiaries. Another common use is long term income replacement, where the need extends beyond working years. Some universal life insurance product designs focus on providing both death benefit coverage and building cash value while others focus on providing guaranteed death benefit coverage.

Whole life insurance Whole life insurance is a type of permanent life insurance designed to provide lifetime coverage. Because of the lifetime coverage period, whole life usually has higher premiums than term life. Policy premiums are typically fixed, and, unlike term, whole life has a cash value, which functions as a savings component and may accumulate tax-deferred over time.

Needs it helps meet: In addition to providing lifetime coverage, whole life is commonly used to accumulate tax-deferred savings. Whole life can also be used as an estate planning tool to help preserve the wealth you plan to transfer to your beneficiaries.

Comparing Types of Life Insurance

Term      Universal Life Whole Life
Needs it helps meet Income replacement in a lump sum Wealth transfer, income protection and some designs focus on tax-deferred wealth accumulation Wealth transfer preservation and tax-deferred wealth accumulation
Protection period Designed for a specific period (usually a number of years) Flexible; generally, for a lifetime For a lifetime
Cost differences Typically less expensive than permanent Generally more expensive than term Generally more expensive than term
Premiums Typically fixed Flexible Typically fixed
Proceeds paid to beneficiaries Yes, generally income tax-free Yes, generally income tax-free Yes, generally income tax-free
Investment options No No No
May help build equity No Yes Yes

It is also recommended that you review your life insurance coverage during the routine update of your overall financial plan.  When buying life insurance, there’s no substitute for a thorough analysis of your personal situation.