Business Details
34 Years
experience
Your Trusted Partner for Comprehensive Financial Planning
Established in 1992, we are an independent, employee-owned financial advisory firm dedicated to providing comprehensive financial planning services. Our team of certified professionals specializes in investments, taxes, insurance, retirement planning, and small business management, serving clients nationwide including individuals nearing retirement, multi-generational families, and charitable organizations. As a Registered Investment Advisor, we operate under a fiduciary standard, prioritizing client interests through personalized strategies that integrate all aspects of financial life.Our process begins with a no-obligation consultation to understand client goals before developing tailored plans that address cash flow, investment management, tax optimization, and estate planning. We maintain long-term relationships by offering ongoing guidance and third-party perspectives to help clients avoid emotionally driven financial decisions.
Services
Comprehensive Financial Planning
Tax Planning & Preparation
Investment Management
Retirement Planning
Estate Planning
Asset Protection
Education Savings Strategies
Cash Flow Management
Real Estate Strategy
Wealth Transfer
Details
- Year established: 1992
Highlights and features
- Employee-owned firm ensuring client-first priorities
- Certified professionals with CFP, CPA, and PFS designations
- Fiduciary standard legally required for all advisory services
- Integrated approach addressing 8+ financial planning areas
- Proven process with 30+ years of client success stories
Services
Comprehensive Financial Planning
We create integrated financial roadmaps addressing all aspects of your financial life. Our process combines retirement, tax, investment, and estate planning to align with personal goals. With 30+ years of experience, we deliver tailored strategies that adapt to changing life circumstances while maintaining fiduciary accountability.
Tax Planning & Preparation
Our CPA-certified specialists develop tax-efficient strategies that complement overall financial plans. Services include tax compliance, deferral opportunities, and optimization of charitable giving. We coordinate with existing tax professionals to ensure alignment with long-term financial objectives while navigating complex tax law changes.
Investment Management
We implement customized investment strategies driven by comprehensive financial plans. Our in-house investment committee determines asset allocation and security selection, focusing on long-term goals rather than market benchmarks. Services include portfolio monitoring, risk assessment, and tactical adjustments to support clients' lifestyle objectives.
Retirement Planning
We help clients assess retirement readiness through cash flow analysis and savings optimization. Services address Social Security timing, income sustainability, and lifestyle transitions. Our approach considers employer plans, pension options, and tax implications to create sustainable retirement income streams.
Estate Planning
Our estate planning services focus on minimizing tax liabilities and ensuring legacy preservation. We develop strategies for asset distribution, charitable giving, and family wealth transfer while coordinating with legal professionals to update beneficiary designations and trust structures.
People
Michael P. Kumph
Financial Planner
Certified Financial Planner with Master of Science in Personal Financial Planning. Specializes in retirement strategies and investment management. 15+ years of experience guiding clients through complex financial transitions.
Robert C. Miller
Financial Planner
MBA holder with expertise in small business financial planning. Focuses on helping entrepreneurs balance business growth with personal financial goals. Recognized for simplifying complex investment concepts for clients.
Louis C. Bonasera
Financial Planner
CPA and Personal Financial Specialist with tax optimization expertise. Specializes in integrating tax strategies with comprehensive financial planning. Brings 20+ years of experience in high-net-worth client services.
Michael A. Dempsey
Financial Planner
Enrolled Agent with Certified Financial Planner designation. Focuses on retirement income planning and tax-efficient withdrawal strategies. Known for creating clear, actionable plans for pre-retirees and retirees.
Anna Larina
Financial Planner
Certified Financial Planner with specialization in women's financial independence. Expertise in education savings strategies and career transition planning. Recognized for making financial concepts accessible to diverse client groups.
Questions
What services do you offer beyond basic investment management?
We provide comprehensive planning covering retirement, tax strategies, estate planning, education savings, and asset protection. Our fiduciary approach integrates all financial aspects to create personalized roadmaps.
How are your financial planners qualified?
Our team includes Certified Financial Planners, CPAs, and tax specialists with decades of combined experience. All advisors hold advanced certifications and maintain ongoing education in financial planning.
Do you work with clients outside the local area?
Yes, we serve clients nationwide through virtual consultations and digital planning tools while maintaining personal service standards for all clients regardless of location.
How does the initial consultation process work?
The process starts with a free introductory call followed by an in-depth meeting. We gather your financial information beforehand to create a personalized planning agenda during the one-hour session.
What makes your investment approach different?
Our investment strategy is driven by comprehensive financial plans rather than market benchmarks. We focus on long-term lifestyle goals through customized asset allocation and regular portfolio adjustments.
How do you handle tax planning for complex situations?
Our CPA-certified specialists coordinate with existing tax professionals to optimize tax deferral opportunities, charitable giving strategies, and compliance while aligning with overall financial objectives.
