One of the benefits of being an independent firm is the flexibility we have in choosing our investment management partners. There is no affiliation with a particular investment company which allows our advice to objective and unbiased. We believe that tempered risk, disciplined security selection, appropriate diversification, and a long-term focus serve our clients’ best interests. We advocate risk-managed diversification strategies which we believe help clients to achieve higher returns without taking on excessive risk.

Effective Estate Planning helps assure that the assets you’ve accumulated during life reach the people and purposes you’ve designated when you’re gone. With estate tax law constantly in flux, neglecting your estate plan could mean a significant portion of your assets get diminished through estate taxes. Claro Advisors will help you articulate your estate planning goals and we will work closely with your tax and legal advisors to ensure your financial plan reflects your estate planning needs.

For some clients this may be their first time coming into significant assets. Many questions come along with inheriting wealth. We’ll work with you to create an investment portfolio that fits your new long-term objectives.

This life event forces you to deal with both financial and non-financial matters. Given your time constraints, our divorce planning specialists will help you manage the investment portfolio so that you can devote your time to other important matters. We’ll work rigorously to get you the best financial settlement possible.

We aim to help our clients keep their money in their own pockets. Income bracket management, tax harvesting, and tax strategy are some of the ways in which we work with our clients to do just that.

Social Security benefits rarely provide enough income for individuals during their retirement years, and today few employers offer the traditional company pension plans that guarantee them a reliable income stream during retirement. What’s more, people are living longer so they must find more ways to fund those additional years of retirement. Proper planning for retirement is a complex task and should not be left to chance

After pouring your heart and soul into building a business we understand the challenges you face when selling a business. Our team has the resources to help you figure out the best possible exit strategy and what to do with your investments once they become liquid.

Cash Management is an essential element in Financial Planning, as it addresses two major issues: finding the funds necessary to fund your financial plan, and ensuring that your cash is used to meet your goals. In addition, organized planning forms the basis to effectively budget for special expenditures, such as a child's education, personal debt, and income taxes. An effective cash management plan will also help you choose the best way to meet both short-term spending needs and long-term financial goals.

For those of you interested in alternative investments, you’ve come to the right place. We have a deep understanding of alternative investments including real estate, private equity, and other opportunities. We can help you analyze options and run models to determine which ones are a good fit and align with your objectives.

We advise you on anything that touches your financial life. We’re typically the first call clients make when they have a financial question.