Circle Advisers Can Help You Meet All Your Planning Needs

Wealth Management Services

Our proven professionals will work with you to set realistic wealth accumulation goals based on your personal objectives, risk tolerance & goals.

  • Comprehensive organization of all aspects of financial life
  • Investment advisory services
  • Cash flow analysis
  • Mortgage evaluation and analysis
  • Income tax preparation coordination
  • College planning and 529 plans

Retirement Planning

The retirement of your dreams takes vision, planning and discipline. That's why we'll work closely with you to develop and monitor a custom plan designed to ensure your retirement is everything you want it to be.

  • Post-retirement cash flow projections
  • Retirement income planning
  • Investment assessment, management and monitoring
  • Social Security
  • Medicare (Parts A, B and D)
  • Supplemental Medigap
  • 401(k) investment planning
  • Pension and qualified plan elections

Asset Protection & Insurance Planning

Protect your loved ones or business from financial hardship and shield your assets from unnecessary taxation.

  • Insurance needs analysis and planning
  • Policy review and audit
  • Individual and survivorship life insurance
  • Disability and long-term care insurance

Career Counseling

As your primary source of income, your job or business is extremely important. We'll help you maximize your financial security with strategic career counseling.

  • Employment contracts and compensation negotiation
  • Crisis management and termination strategy
  • Career path coaching
  • Executive and corporate benefits maximization

Business Planning

You've worked hard to build your business and now you need to take it to the next level. We can help you develop and implement strategies to attract, reward and retain key employees or ensure a smooth transition of your business when it's time.

  • Employer-sponsored retirement plans
  • Business succession planning
  • Key man strategies and retention
  • Buy/Sell agreements

Investment Planning & Management

Our Team will serve as your personal Chief Investment Officer working with you to identify your investment risk and return objectives while incorporating your unique tax situation, cash flow needs and wealth aspirations.

  • Each portfolio is individually constructed for our clients
  • We take a holistic approach to asset allocation and incorporate all of your accounts in to our portfolio management process.
  • Your investment portfolio will be built for the long-term in conjunction with your cash flow need
  • We will analyze your outside qualified plans, 401(k), 403(b) and 457 plans and assist with investment selection and historical performance review
  • We partner with Charles Schwab & Co. and Fidelity for custodial services

Multi-Generational Planning & Financial Education for the Next Generation

We work with the next generation to help them make informed financial decisions. We endeavor to put them in the best possible position in the event of a financial emergency or health crisis involving the older generation.

  • Begin to educate the next generation on investments and how to work with investment professionals.
  • We start by giving the next generation a better understanding and utilization of benefits and compensation programs.
  • We provide career counseling services that include networking with our clients for mentoring and job seeking purposes.
  • Part of our process involves detail preparation for the time when the next generation may have to step in.

Estate Preservation & Planning

A well-designed estate plan can help you to protect your family's legacy, and also ensure that your wishes are carried out.

  • Multigenerational planning
  • Wills, trusts and estate tax minimization
  • Planning for children with special needs
  • Charitable giving
  • Mutlifamily planning (second marriage, children from a first marriage, etc.)