Those we serve are looking for clear guidance to make the most of their opportunities and plans for the future.
We partner with a dynamic group of clients, creating a financial strategies that are smart for today and adaptive for tomorrow.
Professionals & Executives
Whether just starting a career or rounding the corner to retirement, we have the tools and expertise required to make the most of your earnings. We optimize values and conduct tax planning for:
Pension Plans
Profit Sharing Plans (401k, 403b, 457 and SIMPLEs)
Restricted Stock Units
Employee Stock Options
HSAs
Deferred Income
And much more…
Families
Whether you have a small or large family, we understand that money matters can be daunting, complex and even emotional. We collaborate with you to build a plan that is specific to your family needs, including:
Retirement Planning
Cash Flow Analysis
Investment Portfolio Management
Tax Smart Investing
Tax Planning
Life Insurance Advising
College Funds
IRAs (Traditional, Roth and Backdoor)
Social Security Planning
Business Owners
If you are a serial entrepreneur or operate a long-standing business, we help find financial opportunities that are hard to spot. Examples include the following:
- Leveraging tax planning to create savings
- Analysis and support of company-sponsored retirement plans and profit-sharing programs
- Knowledge of the IRS tax code to reduce tax liabilities
Real Questions, Real Benefits
Common questions we solve for our clients...
For Families
- What do I need for retirement?
- How should I invest my money?
- How do I transfer wealth to my children and grandchildren in a tax-efficient manner?
- Can I fund college education for my children or grandchildren?
- What can I do to protect my family from financial issues should I die or become disabled?
- Who can help me establish or update a family trust?
For Professionals & Executives
- How should my debt (school, home, etc.) be managed against the need to invest for the future?
- How should I handle choices and tax implications associated with company-sponsored profit sharing and contribution plans?
- Should I rollover my 401(k)? How?
- Which is better for me: Roth or Traditional IRA?
For Business Owners
- How can my company and I both create more tax deductions?
- What would an exit from my business look like financially and emotionally?
- How can I attract and retain talented employees in a cost-efficient manner?
- What risks should I be managing better?
Client Experience
We make ourselves available to clients 365 days a year, day or night. That said, we build structure and education into your annual planning so that your goals are met.
Bi-Weekly "You're OnTrack!" Blog Posts and "Between Two Fiduciaries" Videos
Monthly "You're OnTrack" Financial News Emails
Quarterly Market Insights Videos
Continuous Portfolio Management
Available Day & Night, Weekends, or Holidays
Late Winter / Early Spring
Tax Return Preparation & Proactive Tax Planning
Year Round
In-Person Events & Workshops at OnTrack's Collaboration Space
Late Spring / Late Fall
Deep Dive Financial Reviews & Tax Smart Planning