Services 

I focus on helping you construct a portfolio that is tailored to your specific financial goals, risk tolerance, and long-term aspirations.  I create customized strategies to grow and protect your assets, ensuring that your investments remain on track and aligned with dynamic markets.  I regularly monitor your portfolio and adjust it as needed to keep it performing at its best.

• Risk Assessment

• Investment Strategy Development

• Portfolio Construction

• Individual Customization & Rebalancing

• Asset Allocation & Asset Location

• Performance Monitoring & Reporting

By taking a personalized approach to your investment needs, I ensure that every decision is made with your unique situation in mind.  My goal is to provide you with clear insights, optimize your investments, and help you achieve financial success now and into the future.

Financial planning is critical to achieving financial independence and security - I am here to guide you every step of the way.  I begin by assessing your current financial circumstances and develop strategies that align with your personal goals.  Whether you're planning for retirement, managing cash flow, or thinking about future legacy concerns, I can help you build a plan that addresses every aspect of your financial life.

• Customized Planning Predicated on Individual/Family Dynamics

• Retirement & Goal Based Planning

• 401k or Company Sponsored Retirement Accounts

• Company Stock Purchase Plans

• Cash Flow Analysis

• Insurance Needs Assessment

Through careful analysis of your income, expenses, and financial commitments, I help you identify ways to save, invest, and optimize your financial future.  I also provide detailed retirement planning that prepares you for a secure future, ensuring you are well protected against life's uncertainties.    

I create tax-efficient strategies designed to minimize your tax liabilities and help you retain more of your wealth.  Through proactive planning, I assist in reducing both short-term and long-term taxes, ensuring that your financial plan works in harmony with your tax situation.  My approach focuses on minimizing your tax burden and ensuring that you keep more of your hard-earned wealth.  As part of our ongoing relationship, I am proactively committed to working in conjunction with your tax professional(s) to coordinate items as it relates to bettering your tax situation.  

• Tax Efficient Investment Planning

• Tax Loss Harvesting 

• Required Minimum Distribution Strategy

• Charitable Gifting Strategies

• Estate Tax Minimization

I utilize tax loss harvesting and other techniques to offset gains (and income where applicable), along with charitable giving strategies that could provide certain tax benefits.  My goal is to help you optimize your specific tax situation and minimize estate taxes, ensuring your wealth is preserved and passed on efficiently to the next generation.

*SKM does not provide tax preparation services, but works closely with clients' existing accountants or CPAs.  In the event that a client does not have an accountant/CPA, a suggestion for a tax preparer can be made upon request.

I am dedicated to protecting your wealth for future generations through thoughtful estate planning.  I work with you to create a comprehensive plan that ensures your assets are distributed according to your wishes and protects them from unnecessary risks.  Whether it involves creating a will or trust, I help you structure your estate to reflect your individual desires and to preserve your wealth.  I review your will, trust, and beneficiary designations to make sure your estate plan is complete and up to date.  As part of our ongoing relationship, I am committed to working in conjunction with your estate planning attorney to coordinate items as it relates to a fluid estate plan.

• Asset Protection Planning

• Will & Trust Coordination

• Beneficiary Designation Review

*SKM does not create legal documents, but works with existing clients' attorneys to do so.  In the event that a client does not have an attorney, a suggestion for counsel could be made upon request.

Legacy planning is about leaving behind more than just assets - it's about creating a meaningful impact that reflects your values.  I work with you to structure your wealth accordingly, ensuring that your financial story lives on.  Whether through philanthropy or succession planning, my goal is to guide you in preserving and passing on your wealth in a way that aligns with your personal values and vision.

• Philanthropic Planning

• Succession Planning

• Intergenerational Wealth Education

I help you create a philanthropic plan that reflects your values while offering tax benefits.  My succession planning ensures that the next generation is prepared to manage your wealth, while my intergenerational wealth education helps ensure your legacy is passed down effectively and with purpose.

Generational wealth transfer is about ensuring that your wealth is passed down seamlessly and efficiently to future generations.  I help you navigate the complexities of inheritance planning, ensuring that your assets are distributed according to your wishes, while minimizing taxes.  My goal is to create a plan that preserves your family's wealth and ensures it continues to grow for generations to come.

• Inheritance Planning

• Gift Tax Planning

• Family Wealth Counseling

I provide strategic inheritance planning that helps minimize taxes and complications when transferring your wealth.  My gift tax planning ensures that you take advantage of exclusions and exemptions, reducing the taxable estate.  Additionally, I offer family wealth counseling to ensure your loved ones are well-prepared to manage and preserve the wealth you've built.