What We Do
Honest guidance matters.
As advisors in Lake Forest, every recommendation we make puts your best interest first. From managing investments to planning your retirement income, our team provides comprehensive guidance to help you build, preserve, and transition your assets with confidence.
Investment Management
Strategic asset allocation and ongoing portfolio management tailored to your risk tolerance and timeline.
Retirement Income Planning
Tax-efficient income streams, Social Security planning, and required distribution management.
Estate and Legacy Planning
Coordinated strategies with your attorney for effective wealth transfer and philanthropic planning.
Tax Planning
Year-round tax strategy integration with all aspects of your financial plan.
401(k) Plan Sponsor Services
Supporting your plan, strengthening your team.
Our Advisors and CFP®, CRPC®, and AIF® professionals partner with business owners and plan sponsors to help simplify plan oversight, strengthen investment options, and improve retirement outcomes for participants.
Educate your participants.
Deliver practical, relatable financial education to help improve retirement readiness and confidence.
Document every step.
Maintain thorough fiduciary files, including 404(c) compliance documentation and meeting records.
Navigate evolving regulations.
Receive comprehensive guidance as rules change, helping you reduce risk and maintain compliance.
Support your fiduciary responsibility.
Work through complex plan requirements with clear guidance and transparency.
Benchmark plan fees.
Help ensure costs remain competitive and aligned with the value delivered to participants.
Review and refine investment menus.
Maintain high-quality, diversified options addressed to participant goals.
401(k) Distribution Strategy
Making thoughtful decisions with what
you’ve saved.
When you’re ready to access your retirement accounts, we help you design a tax-efficient distribution strategy to support your lifestyle and your long-term goals.
Taking distributions.
Understand tax implications and how different withdrawal strategies affect your long-term income.
Timing Social Security and Medicare
Coordinate benefits to help maximize efficiency and minimize coverage gaps.
Rolling over to an IRA.
Maintain control, flexibility, and expanded investment choices beyond your employer plan.
Staying in your employer plan.
Evaluate when keeping your assets in your current plan makes sense based on fees, investment options, and your situation.
Transferring to a new employer plan.
Understand the benefits and trade-offs of consolidating retirement accounts when changing jobs.
Please keep in mind that rolling over your QRP assets to an IRA is just one option. You generally have four options for your QRP distribution:
-Roll assets to an IRA
-Leave assets in your former employer’s QRP, if QRP allows
-Move assets to your new/existing employer’s QRP, if QRP allows
-Take your money out and pay the associated taxes
Each of these options has advantages and disadvantages and the one that is best depends on your individual circumstances. When considering rolling over your assets from a QRP to an IRA, factors that should be considered and compared between QRPs and IRAs include fees and expenses, services offered, investment options, when you no longer owe the 10% additional tax for early or pre-59 ½ distributions, treatment of employer stock, when required minimum distributions begin and protection of assets from creditors and bankruptcy. Investing and maintaining assets in an IRA will generally involve higher costs than those associated with QRPs. You should consult with the plan administrator and a professional tax advisor before making any decisions regarding your retirement assets.
Our Investment Approach
Clear strategy, can adapt as you evolve.
We believe prudent investing starts with understanding your complete financial picture. Our approach combines disciplined strategy with the flexibility to be able to adjust as your priorities and circumstances evolve.
Whether you’re planning for retirement in one state or managing assets across multiple states, our team is here to provide clear guidance through every market cycle and life transition.
