James McCusker & Associates provides fee-only financial planning, investment, and tax services to individuals, families, and small businesses. We design financial solutions for our clients by combining the talents of our staff, selected attorneys, CPA's, and investment
professionals. We offer services in the following areas:

Financial Planning

We recognize that each client has unique goals, values, resources, and circumstances. Once we understand where you are coming from and where you want to go, we develop a custom financial plan for you, suggesting strategies designed to fulfill your needs and dreams. Our specific area of expertise is retirement planning.

Investment Management

We provide our clients with a wide range of advice and recommendations on how and where to invest their money. Our advice is rooted in an understanding of our clients' goals, risk tolerance, and current investment portfolio. Building on that knowledge, we then design a customized investment plan that maximizes after-tax returns and minimizes risk. We are able to provide expansive market coverage by teaming up with some of the best professional money managers in the country.

Tax Planning & Preparation

The minimization of taxes is an integral part of the financial and investment planning process, as Warren Buffet once said, " It's not what you make. It's what you keep." With that in mind, we offer our clients effective tax strategies ranging from exercising stock options to achieving an efficient balance between retirement accounts and taxable investments. We also prepare tax returns for our financial and investment planning clients.

Estate & Trust Planning

Financial planning includes establishing enduring legacies for your heirs and charities. We work with individuals and families to ensure that their wealth is passed on in accordance with their intentions and values. This includes minimizing administrative expenses, as well as federal and state taxes.

Insurance & Asset Protection

Planning is the best protection against financial emergencies. We can assess your needs and recommend ways to restructure your current assets to achieve maximum security, as well as advise on appropriate life, disability, personal liability, and major asset insurance plans.

Education Funding

Today, education can be the largest expense a family will face. We can help you explore and analyze the numerous options available for funding, such as UTMA accounts, Educational IRAs, 529 plans and employee benefit plans.