Individuals in Transition

One certainty in life is that change is inevitable. We specialize in helping people in transition, whether it’s due to an inheritance, change in marital status, employment, or location. Each presents different complexities to be addressed. We understand the uncertainty these events can trigger and, most importantly, will be here to help you move forward.

Inheritance

Those who inherit money must resist the urge for instant gratification – spending without regard for the future. We can serve as your voice of reason and help you create a financial plan that addresses both your short- and long-term goals. With your permission, we will collaborate with your tax and legal professionals to help ensure that your will and estate plan details are up-to-date, and that the tax impact of sudden wealth is addressed.

Marriage

Two people coming together also means the merger of two separate financial situations and unique attitudes toward investing. Important issues to address include financial goals, household budgets, managing debt and establishing a retirement plan. If it is a second marriage, there may be other financial factors to consider as well. We are experienced in planning for and addressing the vital financial issues that can accompany marriage.

Divorce

Whether you are newly divorced or presently going through a divorce, we can guide you through the financial complexities of dividing assets and managing taxes – giving you an opportunity to move forward with your life. During your marriage, you have accumulated assets as well as liabilities. What might first appear as an equal distribution of an asset may not be after considering the original cost base and tax consequences of liquidating or transferring the asset. We can collaborate with your divorce attorney to help clarify your financial picture and determine your individual needs.

Death of a spouse

In addition to the emotional turmoil, losing a spouse has major financial implications including life insurance proceeds, government pensions and the retitling of financial accounts. You may be managing your financial affairs on your own for the first time and concerned about having sufficient income to maintain your lifestyle. We are here to help you address these issues and to be your caring guides during this emotionally sensitive time.