STRATEGIC WEALTH BUILDING
We’re here to demystify investing by employing active asset management strategies that are consistent, steady and repeatable. We aim for low-risk, low-volatility assets that take a defensive approach to wealth management. Together, we’ll build a real-life, sustainable income plan tailor-made for your situation.
RETIREMENT PLANNING
As fiduciaries, we work to help protect you against many of the risks you may face as you get older, such as losing a spouse or becoming incapacitated. We’ll help you look at the money you’ve saved and create a way to distribute and/or invest it so that you have the most money to live on year by year while paying the lowest amount of taxes possible.
TAX MINIMIZATION
Most people assume they’ll pay less in taxes in retirement. After all, they’re no longer getting a regular paycheck from an employer. This isn’t always the case, however. Your required minimum distributions could bump you into a higher income tax bracket. You may even have to pay income taxes on your Social Security benefit. That’s why it’s so important to make sure tax planning is addressed in your overall retirement plan.
ESTATE PLANNING
We'll help you create an all-encompassing plan that not only executes your wishes after you're gone but helps protect your loved ones.
RISK MANAGEMENT
Market volatility, inflation, taxes, health problems, the death of a spouse — any number of risks can wreak havoc on even the best-laid retirement plans. Our job is to help you mitigate them through proper tax planning, tactical asset management, insurance products and more.

• Scott Mallernee
  Financial Advisor
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