Focus On Equestrians

When it comes to managing your finances within the equine industry, having an equestrian financial advisor can make all the difference. From riders to trainers, amateurs to investors, and breeders to equine enthusiasts, I provide tailored guidance to align your equine pursuits and financial goals. 

Equestrian Financial Advising Service Highlights: 

• Equestrian Expertise: I'm not just a financial advisor; I'm an equestrian too. I've been a rider, trainer, groom, and horse owner so I have a deep understanding of the equestrian lifestyle. That means I'm able to provide focused insights and solutions to your unique financial challenges and opportunities.
• Personalized Financial Roadmap & Strategies:  My team works closely with you to create a roadmap tailored to your specific equine aspirations. Whether building your equine business, planning for retirement, or securing funding for the next prospect or property, we view your financial picture as a whole and create a comprehensive plan that aligns with your personal and equestrian lifestyle.
• Budgeting and Planning: I assist in creating detailed budgets and emergency fund planning that encompasses all aspects of your equestrian pursuits. From horse care and training costs to competition expenses and investments, I ensure your equestrian budget and emergency fund complements your personal or household one.
• Investment Guidance: Your equestrian dreams shape your investment strategies, and our team bridges that gap between financial expertise and equestrian passion. Whether it's equine-related ventures or broader investment options that align with your financial goals, we provide creative solutions and actionable plans that are both insightful and empathetic.
• Tax Optimization: Whether you're an avid rider, horse owner, or involved in the equestrian industry, understanding how to optimize your taxes can significantly impact your financial well-being. Our team incorporates various tax strategies tailored to the equestrian community, helping you navigate the complex landscape of taxation while keeping more of your hard earned income.
• Retirement and Estate Planning: Careful planning is needed to secure a future for you, your companion, and your equine business. Our team assists you by creating effective estate planning and retirement strategies in order to safeguard your assets and ensure a lasting legacy that reflects your equestrian values.
• Insurance and Risk Management: We protect your equine assets and financial future by analyzing your insurance needs, offering insight into proper coverage, and providing risk management strategies tailored to your circumstances and to protect your assets. We also have a network of equine specific CPAs and lawyers that are available as a resource and who can provide you with additional services tailored to equestrians.
• Financing & Cash Flow: As an equestrian or equine investor, having financing options that increase cash flow are extremely beneficial. Our team offers solutions such as mortgages, lines of credit, and property financing for equestrian properties, businesses, and equine pursuits that free up your cash flow so that you can invest in multiple avenues without liquidating investments or withdrawing funds.
• Long-Term Commitment:  As an equestrian advisor, I treat our relationship like a heart horse. I am dedicated to ensuring your financial success long term in the equine industry and periodically reviewing and adjusting your plan to adapt to changes and seize emerging opportunities.

Focus on Healthcare Professionals

Healthcare professionals often have unique financial needs due to their demanding career paths, income levels, and student loan burdens. Having a financial advisor that understands the unique challenges of individuals in the healthcare industry can make all the difference. I provide tailored guidance to align your finances with your desired lifestyle and to ensure long-term financial success.

Healthcare Professional Financial Advising Service Highlights:

• Student Loan Management: Many healthcare professionals graduate with significant student loan debt. Our team helps create a repayment strategy that takes into account various options such as income-driven repayment plans, loan forgiveness programs, and refinancing options to potentially lower interest rates.
• Budgeting and Debt Management: Developing a budget that accounts for both basic living expenses and debt payments is essential. Our team can help you allocate funds effectively to pay down debt while also saving for other goals. Additionally, we provide strategies to maintain a good credit score and manage personal debt beyond student loans.
• Tax Efficiency: Healthcare professionals are often in the highest tax brackets and have complex tax situations. Our team can help you optimize taxes effectively, utilizing tax-advantaged accounts and managing tax implications of various investments, especially if you have multiple income sources or self-employment income.
• Investment Strategy: A well-structured investment strategy can help you build wealth over the long term. We can guide you in selecting appropriate investment opportunities that match risk tolerance, time horizon, and financial objectives as your career aspirations and journey changes.
• Emergency Fund: We encourage healthcare professionals to have an emergency fund in place to cover unexpected expenses such as medical costs, job changes, or other financial emergencies. Especially given the demanding nature of your work, maintaining an appropriate amount in this fund is crucial for financial stability.
• Insurance Planning: Healthcare professionals should consider various insurance policies, including disability insurance to protect their income in case of injury or illness, as well as life insurance to provide for their families in case of their untimely death. Our team recommends appropriate insurance coverage, including disability insurance to protect income, and malpractice insurance for healthcare practitioners.
• Retirement Planning: Due to the demands of the healthcare profession, retirement planning is crucial. Our team can help you set up retirement accounts, such as a 401(k) or IRA, and develop a retirement savings strategy that factors in the demands of a healthcare career.
• Estate Planning: We assist you with the creation of an estate plan, including wills, trusts, and healthcare directives, to ensure assets are distributed according to wishes. Additionally, we address strategies to protect your assets and minimize potential liability risks.
• Homeownership and Real Estate: If you're considering buying a home or investing in real estate, our team can help you finance a mortgage, get pre-approved, and evaluate the financial implications both before and after the purchase.
• Practice Ownership: If you are looking to start or acquire a medical practice, our team can provide insights into the financial aspects of practice ownership, including business valuation and planning and financing options. If considering private practice ownership, we offer special financing programs and can also assist with the evaluating the financial implications of partnerships or joint ventures.

Approach

Every relationship begins with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, I start by listening to learn more about you and your family.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial approach we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial approach.

Philosophy

I believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Calculating how to manage future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? It all starts with a plan intended to help you manage, grow, and preserve your wealth today, while also considering the impact it can have for years to come. With access to the investment insights of Merrill and banking solutions from Bank of America, I will work with you to develop an approach designed to help address your financial needs.