Financial Planning 

We conduct our financial planning process in real-time, running multiple “what-if” scenarios to test drive important decisions before they are made. This holistic planning process encompasses all aspects of a client’s situation throughout every life-stage and includes: retirement income planning, cash flow and spending analysis, asset allocation and portfolio analysis, income tax management, risk management, debt management, business succession planning and estate, charitable and gift planning.

Our services are provided on a fee basis complete with a written report and recommendations. Clients can choose to implement these recommendations with us or on their own.

Working as part of a team and collaborating with other advisors is an integral part in addressing the needs of our clients. By taking on the role of “quarterback,” we facilitate the planning process by utilizing a network of the region’s leading attorneys, CPA’s, consultants and other advisors to pursuing a coordinated strategy and a comprehensive level of advice. We assist our clients in selecting new advisor relationships to fill potential gaps or they can choose to maintain existing ones they may already have.

Should a client choose to implement their financial plan with us, we work independently from an open architecture utilizing many different companies and wealth management firms. We provide choices which allow our clients to do what is best for their individual needs.

Our financial planning process includes a secure personal website. This web-based technology solution is built to simplify, organize and improve our clients’ financial planning. Through it, clients can monitor their accounts, track spending and upload important documents to one secure location from anywhere at any time.

Investment & Advisory

We work independently, from an open architecture, with many different companies and investment management firms. This allows us to maintain alignment with our clients by sitting on the same side of the table with our clients rather than across it. We also believe that the same person making investment management decisions should not be the one facilitating the financial plan, there are not enough hours in a day. By utilizing quality independent wealth management firms, we can focus on our client’s planning needs and provide confidence that their assets are being managed effectively. 

Insurance & Risk Management

We work independently, with many different companies, to provide the most appropriate insurance options for our clients. Insurance is best purchased as part of an overall financial plan which is why we first learn about our client’s needs and then make the appropriate recommendations on the following products:

• Life Insurance
  
• Disability Insurance 
  
• Physician Specific Disability Insurance
  
• Dentist Specific Disability Insurance
  
• Long-term care insurance

Although we do not provide property and casualty services ourselves, proper auto, homeowners and liability coverage are important elements of an overall insurance plan. We have relationships with area firms to ensure that all of our client’s risk management needs are met.

Retirement & Wealth Management

The transition from accumulation to distribution is a difficult one and doing it successfully takes careful preparation and ongoing oversight. A downturn of the market in the first ten years of retirement can be devastating to retirement income for the last ten years. The loss of pension plans leaves people confused about how to create stable retirement income especially with the uncertainty of today’s markets. Medical science is helping people live longer than they ever have before which creates a whole new set of challenges for the 21st century retiree. There is excitement for the future but, often times, also a fear of the unknown.

The goal at Advisory Resource Group is to help retirees do what they want, when they want, with the confidence that they have made smart financial decisions and we have been helping our clients do this for over fifteen years. We believe this is not only possible but an expectation everyone nearing or in retirement should have. Our comprehensive planning process helps our clients to gain the confidence that they have made smart financial decisions so that they can spend time with their families, travel and do all the things that are important to them.

Education & Professional Resources

Education is at the core of what we do. For over 15 years, we’ve delivered financial education programs to leading institutions and professional communities.

Our initiatives include:

• Financial literacy programs at universities and teaching hospitals
• Educational events for professionals, including medical and dental communities
• The Dental Resource Group, connecting specialized advisors to better serve dentists

We are committed to empowering our clients with knowledge and creating opportunities for both personal and professional growth.