Every element of the Wealth Management Process reflects your goals and values, and the result of this process serves as the foundation for all of the work we do for you. After we map out your plan using the Wealth Management Process, we work diligently to keep your financial affairs on track and make sure you understand the consequences of your financial decisions.

Wouldn't’t it make sense if your investment advisor, CPA, tax attorney, and estate planning attorney all communicated with each other? As part of IMCG’s services, we facilitate communication and reporting between your financial and legal advisors. We also proactively send tax documents related to your accounts to your accountant, and documents needed to update your estate plan to your estate planning attorney. As a liaison between your financial and legal advisors, we bring cohesion to your financial world and help simplify your life.

Like most successful businesses, financially sound individuals and families should have positive cash flow. Cash flow statements indicate whether you are living within your means, and if you have surplus cash that may be invested for future growth. Most problems that people have with debt and bad savings habits are caused by a lack of understanding about their cash flow. We help you to gain a better understanding of your cash flow situation. In addition, analyzing your cash flow is an important step in preparing for a happy and comfortable retirement. Your cash flow requirements today continue to grow (due to inflation) during your retirement years. If you are currently living beyond your means today, you may be in for a big surprise when you reach your expected retirement age!

As everyone knows, government taxes are usually the largest expense in your budget. IMCG manages investments tax efficiently. Tax preparation is limited to "making the best" out of what has already occurred. Tax planning, on the other hand, involves searching for and taking advantage of legitimate opportunities for tax reduction now and in the future. We believe that tax planning will reduce your tax bite significantly over the long run.

The costs of sending your children to private school and college continue to increase more rapidly than the rate of inflation. IMCG works with you to coordinate your savings for your children's education and saving for retirement. While both are important, you may need to make some tough decisions regarding how to prioritize your savings dollars. With many different saving strategies available for education planning, we can help you to decide which of these strategies meets your needs.

Like most people, you are probably concerned about whether you will be able to maintain your desired standard of living during retirement. We will prepare a thorough review of your present and projected income, expenses, investments, and other assets as they relate to your long-term retirement goals.  We will also examine your sources of retirement income, such as pensions and social security benefits, and provide projections based on reasonable assumptions to help you design your retirement income plan.  Our projections will also help you make informed decisions about many retirement issues including pension elections, retiree healthcare, vacation homes, and downsizing a residence.  Our goal is to make sure your portfolio accurately supports your objectives and includes the appropriate amount of risk as well as potential return.

Because of the many risks that may jeopardize your health, income, and wealth, IMCG analyzes your current insurance coverage and makes appropriate recommendations. We review your need for the following types of insurance—life, disability and long-term care. In some cases, you may have too much insurance in one area, but not enough insurance in another. We help you determine what risks you can afford to bear, and we recommend that you purchase insurance protection for the risks that you cannot self-insure. As a fee-only advisor, we do not sell any type of insurance products, which allows us to always give you unbiased advice.

Since most people have no idea when they might die, estate planning should be a high priority for those who do not have a current estate plan. Estate Planning involves a lot more than setting up a common will to dispose of your assets upon death. One of the most important functions of a will is to designate guardians and backup guardians for minor children. In addition to wills, estate planning involves creating a health care directive (or living will) and durable power of attorney for each spouse. A good estate plan will help you to accumulate wealth, minimize estate tax, and provide a legacy to those whom you care about most. While we do not have the legal capacity to implement an estate plan, we can help you discuss your estate planning desires and make sure that they fit into your financial plan. Then, we will make sure that you work with a competent estate-planning attorney to complete the work.