Financial Planning

The vast majority of people, when seeking a financial advisor are looking for someone to help them with their investments. At Infinitive we take a fundamental approach to managing your investments, meaning that in general we will strive to provide you with asset allocation models that stand in alignment with you risk profile.

While these allocations will be constructed predominately of low-cost EFTs and mutual funds, when your situation calls for it, we may also recommend strategies that employ the usage of annuities and/or alternative investments.

Want to watch someone’s eyes glaze over? Mention the word “insurance". While the topic of insurance is not exciting, anyone ever caught off guard before understands its importance. In fact, our view is that managing your risks is tantamount perhaps only to ensuring that your cash flow is positive.

As with our investment approach, we take a fundamental approach to risk management, meaning that we use insurance policies for the purpose they are intended and, by brokering coverage, aim to ensure that you are seeing a range of quotes from top-ranked carriers.

Do we do taxes? No. But what we can do is help provide strategies that should hopefully minimize your tax burden both now and in the future. We are believers in the concept of diversification, not only when it comes to investing but also with other important areas of your financial life. Sound tax planning is a perfect example of that.

We strive to help our clients understand that, when an uncertain future of tax rates exists, the smartest approach is one that is balanced by their own expectations of the future including their income, goals, and wealth. Should you use a traditional IRA, ROTH, your employer plan, municipal bonds, 529 plans, life insurance, or something else? We look forward to helping you understand which combination could suit your best.

The decisions that you make each day throughout your life can echo through for generations. For many people it may not seem that grandiose perhaps, but like a stone dropping into a pond, your actions ripple out with what can be both positive and negative consequences.

We approach estate planning with that idea in mind to ensure that the ripple that occurs is the ripple that you want. Sound estate planning strategies not only ensures that your beneficiaries will receive the fruits of your labors, but also that neither you nor they will suffer the burden of end of life transitions.