Taxes

• Tax Planning
  By offering access to professional tax-preparation through our office, we can provide the preparer with information we know about your tax situation from your financial plan and investment accounts. This also allows us to select the best tax professional for your situation, and to make any necessary adjustments as good tax preparers and your life change over time. We have been asked time and again by our clients for referrals to the best tax professionals for their situation. We aim to become our clients' main point of contact for tax planning
• Charitable Giving
• Estate Taxes
• Tax Services
  We are happy to continue interfacing with your existing tax professional. Our tax service is a great option for clients who normally self-prepare, use software, or are looking for a new tax professional.
• Roth IRA
• Income Tax
  For our Wealth Management clients only, we have developed relationships where our office can coordinate information to help provide you with your annual federal and state income tax return in a time-efficient and cost-effective manner. Your annual return is prepared and reviewed by a licensed tax professional to ensure your tax return is prepared correctly, reviewed and filed on time.
• Tax Return Preparation

Investment

• Investment Management
  This summer we changed our client performance and document portal from Advyzon to GDX360; and we recently changed custodians from TD Ameritrade to Schwab (not our choice, but because of the acquisition of TD Ameritrade by Schwab). What remains the same with our technology are the three most important platforms the SFM team utilizes daily to add value to our clients: Our Client Relationship Management software, our Financial Planning software, and our Investment Management software.
• Mutual Funds
  Tax-efficiency & Asset location are big reasons why an advisor is better equipped to manage a portfolio. Did you know that in most—but not all—cases ETFs are more tax efficient than mutual funds? How about why an HSA may be more tax-efficient than an IRA? Do you prefer 4% dividend income, rental income, or interest income? Why that one? How about next year? These are issues that we stay on top of, and things that affect how we provide advice on where to save and invest. We have a tax-efficient asset location plan.
• Bonds
• Wealth Management
  It is our objective to develop long-term relationships with our clients by providing reasonably priced, personalized wealth management. As an Independent, Fee-Only Registered Investment Advisor, we derive no income from the sale of investment products. The only revenue we receive comes directly from our clients. We take pride in our independence and have no conflicts of interest.

Accounting

• Accounting Services
• Payroll Services

Planning

• Financial Planning
  A one-time, no-strings-attached Financial Plan put together with a licensed financial planner, with ongoing access to our online Financial Planning tools...
• Retirement Planning
  Developing relationships with my clients is a great satisfaction for me. With huge advances in technology, the endless investment options can be overwhelming. My hope is that our clients feel confident trusting us and can recognize we are working hard on their behalf. The strategy to "plan effectively and invest efficiently" takes away the anxiety of retirement planning.
• Asset Management
  Conventional wisdom since a study published in the 1990s says that 90% of your investment results are derived from your asset allocation rather than your investment selection. In other words, even a monkey can pick stocks almost as successfully as a human, but what a monkey can’t do is properly expose your portfolio to the yin and yang of a broad set of asset classes. For example: As U.S. stocks are declining, your commodities fund—or another asset class—is rising to offset your losses from U.S. stocks.
• Living Trusts
  We guide our clients through an effective, efficient estate planning system that will generate your Revocable Living Trust, Will, Power of Attorney, Health Care Directives, and documents to deed your property into the name of your trust.