Planning is not a one-time endeavor, but rather an ongoing process and partnership customized to meet life’s changes.

We work diligently to build a customized plan that is constantly monitored and examined to make sure we are on track to meet our clients’ long-term goals. These personalized solutions are integrated in the investment management process to build a portfolio of investments tailored to our clients’ long-term goals and values. Planning for your financial future involves much more than “running the numbers.” Your finances are connected to every aspect of your life, and the right financial plan addresses your emotional needs, wants, core values, and vision for the future.

Flourish Fundamentals

We believe that true prosperity extends beyond financial success. It encompasses personal growth, happiness, and a sense of accomplishment. Our dedicated team works tirelessly to harmonize these critical components, ensuring that your wealth aligns with your personal values and ambitions.

With this comprehensive approach, our clients gain a greater sense of confidence. It’s not just about accumulating wealth; it’s about achieving a balanced and fulfilling life. We take pride in being the partner who guides you on this transformative journey, helping you realize the full potential of your financial and personal wealth.

EQ + IQ = Wealth

In our client-centered approach, we believe in delving deep to uncover the intricacies of your relationship with money. We do this by asking thought-provoking questions that lead to a profound understanding of the emotions, unique personal history, fears, and behavioral patterns that shape your core money beliefs. This exploration is at the heart of our mission, as it enables us to tailor our guidance to your unique needs, aspirations, and circumstances.

Meaningful Money Conversations

Our approach is grounded in fostering candid, meaningful, and occasionally challenging conversations with both our clients and the key figures in their lives. These discussions are pivotal in creating an atmosphere of trust and transparency, enabling individuals to navigate their financial landscapes with clarity and confidence. We understand that financial decisions are often deeply personal and intertwined with the dynamics of one's closest relationships.

Expertise in Transitions

We understand that these transitions are not just about financial matters but also involve intricate emotional, legal, and practical considerations. By offering a holistic approach, we ensure that our clients are equipped with the knowledge, tools, and compassionate guidance they need to navigate these life changes with resilience and confidence.

OUR PROVEN PROCESS

Integrating the Technical & Personal Side of Money

Initial Discovery

Flourish’s approach to fiduciary planning encompasses a holistic perspective that revolves around your unique goals, values, and relationships. We prioritize your financial satisfaction, considering both your current financial status and future transitions. Through this integrated approach, we strive to help you achieve financial well-being while honoring your individual aspirations and meaningful connections.

Connecting the Emotional & Technical Sides of Money

Exploring your financial history, we aim to bring clarity to your financial situation and the various options available to you. Our approach involves a thorough analysis of your financial resources, covering areas such as asset protection, investment strategies, tax considerations, philanthropic goals, and estate planning.

Visualize Your Future: Goal Setting

Discovering your fundamental values and priorities is at the heart of our approach. We strive to harmonize your financial objectives with your personal values, ensuring a meaningful alignment. Our planning encompasses preparing for future transitions and fostering financial independence. Through these processes, we encourage and facilitate meaningful discussions around money.

Continuous Engagement with Your Life & Plan

Our approach involves adapting to life’s unpredictable twists and turns while maintaining a focus on the present moment and future preparedness. We encourage ongoing conversations to ensure that our planning remains proactive and responsive to your evolving needs. Ultimately, our goal is to provide you with the peace of mind necessary to lead the most meaningful and fulfilling life possible.

  • Comprehensive Wealth Planning

    Financial Life Planning

    Financial Life Planning facilitates an understanding of each client’s relationship with money as well as their unique values, attitudes, and beliefs.  This knowledge and insight will indicate how to tailor your financial advice to each client’s needs, expectations, and aspirations. This process allows us to adopt a fresh perspective and facilitate a meaningful goal-setting process to align their visions of the future with their personal values and priorities.

    Financial Life Planning
  • Comprehensive Wealth Planning

    Money Conversations

    We believe there is freedom in money conversations and teach our clients how to have the necessary and sometimes uncomfortable conversations with the key people in their lives so they can make the best financial decisions for them and their family. We also frequently host family meetings where we bring generations of families together to open the lines of communication and build a foundation for financial readiness.

    Money Conversations
  • Comprehensive Wealth Planning

    Income Optimization

    By taking the time to understand income sources, expenses and, ultimately, the ability to save, we help clients achieve balance in their goals. Our expertise allows our clients to determine their target savings now, so they can successfully meet long-term goals in the future.

    Income Optimization
  • Comprehensive Wealth Planning

    Tax Planning

    We take a proactive approach to tax management. The tax impact of financial and investment decisions factors into all our planning strategies and eliminates unexpected accounting surprises.

    Tax Planning
  • Comprehensive Wealth Planning

    Risk Management

    We review all aspects of risk to ensure clients are financially protected during unexpected life events. Rest assured that because we are a fee-only and independent wealth management company, our recommendations are always in our clients’ best interests and not biased to a particular product, as we do not accept commissions or referral fees. Instead, we work with independent brokers to purchase the correct insurance coverage to meet each client’s unique needs.

    Risk Management
  • Comprehensive Wealth Planning

    Charitable Giving

    We find that many clients are involved with non-profits and enjoy giving time, money, or both, to these charities. We devise a plan that narrows the focus for giving, determines the best charitable vehicle and improves fulfillment in this important area of a client's life.

    Charitable Giving
  • Comprehensive Wealth Planning

    Retirement Planning

    Getting a clear financial picture can help ease the transition into retirement because, at the very least, you’ll know what accounts you will be drawing from, where they are being managed, how your investments can continue to generate income for you, and what tax liabilities they may impose. It requires discipline and clarity to keep your finances organized before and during retirement.

    Retirement Planning
  • Comprehensive Wealth Planning

    Legacy & Estate Planning

    We take the time to understand what is important in terms of a legacy and ultimate plans for assets. After reviewing current estate documents, we will visually illustrate how current assets would pass to heirs, other important individuals, or charities. Based on this insight, we can ensure estate documents accurately reflect our clients’ wishes and are updated when needed.

    Legacy & Estate Planning
  • Comprehensive Wealth Planning

    ESG Investing

    The use of Socially Responsible Investments (SRI) and Environmental Social Governance (ESG) is an important opportunity to put investment dollars behind important themes that can influence the future while making a profit. We provide clients with education about ESG investment opportunities with the ability to build customized portfolios to reflect their values. 

    ESG Investing
  • Comprehensive Wealth Planning

    Financial Life Planning

    Financial Life Planning facilitates an understanding of each client’s relationship with money as well as their unique values, attitudes, and beliefs.  This knowledge and insight will indicate how to tailor your financial advice to each client’s needs, expectations, and aspirations. This process allows us to adopt a fresh perspective and facilitate a meaningful goal-setting process to align their visions of the future with their personal values and priorities.

    Financial Life Planning
  • Comprehensive Wealth Planning

    Money Conversations

    We believe there is freedom in money conversations and teach our clients how to have the necessary and sometimes uncomfortable conversations with the key people in their lives so they can make the best financial decisions for them and their family. We also frequently host family meetings where we bring generations of families together to open the lines of communication and build a foundation for financial readiness.

    Money Conversations
  • Comprehensive Wealth Planning

    Income Optimization

    By taking the time to understand income sources, expenses and, ultimately, the ability to save, we help clients achieve balance in their goals. Our expertise allows our clients to determine their target savings now, so they can successfully meet long-term goals in the future.

    Income Optimization
  • Comprehensive Wealth Planning

    Tax Planning

    We take a proactive approach to tax management. The tax impact of financial and investment decisions factors into all our planning strategies and eliminates unexpected accounting surprises.

    Tax Planning
  • Comprehensive Wealth Planning

    Risk Management

    We review all aspects of risk to ensure clients are financially protected during unexpected life events. Rest assured that because we are a fee-only and independent wealth management company, our recommendations are always in our clients’ best interests and not biased to a particular product, as we do not accept commissions or referral fees. Instead, we work with independent brokers to purchase the correct insurance coverage to meet each client’s unique needs.

    Risk Management
  • Comprehensive Wealth Planning

    Charitable Giving

    We find that many clients are involved with non-profits and enjoy giving time, money, or both, to these charities. We devise a plan that narrows the focus for giving, determines the best charitable vehicle and improves fulfillment in this important area of a client's life.

    Charitable Giving
  • Comprehensive Wealth Planning

    Retirement Planning

    Getting a clear financial picture can help ease the transition into retirement because, at the very least, you’ll know what accounts you will be drawing from, where they are being managed, how your investments can continue to generate income for you, and what tax liabilities they may impose. It requires discipline and clarity to keep your finances organized before and during retirement.

    Retirement Planning
  • Comprehensive Wealth Planning

    Legacy & Estate Planning

    We take the time to understand what is important in terms of a legacy and ultimate plans for assets. After reviewing current estate documents, we will visually illustrate how current assets would pass to heirs, other important individuals, or charities. Based on this insight, we can ensure estate documents accurately reflect our clients’ wishes and are updated when needed.

    Legacy & Estate Planning
  • Comprehensive Wealth Planning

    ESG Investing

    The use of Socially Responsible Investments (SRI) and Environmental Social Governance (ESG) is an important opportunity to put investment dollars behind important themes that can influence the future while making a profit. We provide clients with education about ESG investment opportunities with the ability to build customized portfolios to reflect their values. 

    ESG Investing
  • INVESTMENT MANAGEMENT

    Market Insight

    Markets cannot be consistently outsmarted as they are generally efficient and new information is rapidly incorporated into the security prices. Markets may behave irrationally in the short run, but portfolios designed with a long-term strategy, focused on future goals, put the markets to work in the best interests of our clients.
     
    Market Insight
  • INVESTMENT MANAGEMENT

    Asset Allocation

    We help implement appropriate asset allocation customized to meet specific goals within each client’s timeframe. This will determine the vast majority of a portfolio’s return. Efforts to time the market by overweighting or underweighting asset classes are unlikely to add value over time, but our academic based strategies support long-term investment success.
     
    Asset Allocation
  • INVESTMENT MANAGEMENT

    Smart Diversification

    Diversification works to both reduce risk and improve expected return, but this does not mean simply owning a little bit of everything. We understand the role of each asset in the portfolio and how it interacts in relation to other assets – both in calm markets and times of stress. It's important to understand the benefit of a long-term perspective and remain patient across market environments.
     
    Smart Diversification
  • INVESTMENT MANAGEMENT

    Risk Management

    Markets cannot be consistently outsmarted as they are generally efficient and new information is rapidly incorporated into the security prices. Markets may behave irrationally in the short run, but portfolios designed with a long-term strategy, focused on future goals, put the markets to work in the best interests of our clients.
     
    Risk Management
  • INVESTMENT MANAGEMENT

    Cost Control

    Costs can come in many unexpected forms, including higher taxes and internal expenses with investment selections. This is especially true with active management strategies because these costs defray overall performance. Instead, our investment approach focuses on minimizing costs, maintaining fee transparency, and optimizing returns to more quickly meet client goals.
     
    Cost Control
  • INVESTMENT MANAGEMENT

    Tax Considerations

    We minimize tax burdens by considering the cost basis of appreciated securities before recommending any changes. With calculated asset location strategies, appropriate investment options, and tax-loss harvesting, we help ensure maximization of after-tax returns.
     
    Tax Considerations
  • INVESTMENT MANAGEMENT

    Market Insight

    Markets cannot be consistently outsmarted as they are generally efficient and new information is rapidly incorporated into the security prices. Markets may behave irrationally in the short run, but portfolios designed with a long-term strategy, focused on future goals, put the markets to work in the best interests of our clients.
     
    Market Insight
  • INVESTMENT MANAGEMENT

    Asset Allocation

    We help implement appropriate asset allocation customized to meet specific goals within each client’s timeframe. This will determine the vast majority of a portfolio’s return. Efforts to time the market by overweighting or underweighting asset classes are unlikely to add value over time, but our academic based strategies support long-term investment success.
     
    Asset Allocation
  • INVESTMENT MANAGEMENT

    Smart Diversification

    Diversification works to both reduce risk and improve expected return, but this does not mean simply owning a little bit of everything. We understand the role of each asset in the portfolio and how it interacts in relation to other assets – both in calm markets and times of stress. It's important to understand the benefit of a long-term perspective and remain patient across market environments.
     
    Smart Diversification
  • INVESTMENT MANAGEMENT

    Risk Management

    Markets cannot be consistently outsmarted as they are generally efficient and new information is rapidly incorporated into the security prices. Markets may behave irrationally in the short run, but portfolios designed with a long-term strategy, focused on future goals, put the markets to work in the best interests of our clients.
     
    Risk Management
  • INVESTMENT MANAGEMENT

    Cost Control

    Costs can come in many unexpected forms, including higher taxes and internal expenses with investment selections. This is especially true with active management strategies because these costs defray overall performance. Instead, our investment approach focuses on minimizing costs, maintaining fee transparency, and optimizing returns to more quickly meet client goals.
     
    Cost Control
  • INVESTMENT MANAGEMENT

    Tax Considerations

    We minimize tax burdens by considering the cost basis of appreciated securities before recommending any changes. With calculated asset location strategies, appropriate investment options, and tax-loss harvesting, we help ensure maximization of after-tax returns.
     
    Tax Considerations

Many advisors can talk to you about the technical aspects of financial planning. What sets us apart at Flourish is that we know you can’t make the best financial decisions for yourself and your loved ones unless you understand the personal and emotional aspects of your financial journey, too.

Environmental, Social & Governance Investing

Investing with Purpose

We seek opportunities to fully align our clients’ investments with their personal values. The use of Environmental Social Governance (ESG) is an optional opportunity to put investment dollars behind important themes that can influence the future while making a profit.

Explore the Themes Your Investments can Support

There are a wide variety of investment themes that can be supported through Environmental Social Governance (ESG). We are constantly seeking new investment opportunities in this space and working with clients to align their investments with themes that are important to them.

Who We Serve

We frequently partner with clients during significant life changes such as retirement, professional transitions, divorce, inheritance, or loss of a loved one. Flourish creates vital client connections during these periods of change, becoming trusted advisors in long-term relationships that support ongoing investment, tax, insurance, and planning solutions.

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Women

We empower women to make educated decisions that are consistent with their values and goals.

young family

Families

Our planning is customized to the unique needs of your family. You deserve more than a one-size-fits-all approach. 

ma computer happy professional

Individuals

We believe financial planning should reflect the values, resources, and goals of each individual.

THERE'S NO TIME LIKE THE PRESENT

It's never too late to take the first step or get a second opinion.

We offer a complimentary “Get Acquainted” call to learn more about your financial planning needs and share information on our firm to see if our services are right for you.

Kathy Longo Recognized as One of Money’s Best Financial Planners of 2024

Honored for High Marks in Qualifications, Trust, Services, and Customer Service

We’re proud to announce that Kathy Longo has been named one of Money’s Best Financial Planners for 2024. This recognition highlights her dedication to providing personalized financial advice and building lasting relationships with her clients.

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