Comprehensive Wealth Management
Whether it’s owning your own home, funding your children’s education, or creating a stress-free retirement, a financial plan is considered vital in working towards your goals. We use a consultative approach to create a financial plan that aims to meet your objectives.
Investment Allocation and Management
When managing your investments, we take into account your goals, timeline, and risk tolerance to structure your portfolio. We utilize guidance from multiple investment research firms to develop our investment outlook and tailor the portfolio to your needs with an emphasis on using tools to manage your downside risk.
Advanced Tools
For clients with larger portfolios, advanced tools can potentially increase protection, efficiency, or diversification. While these tools can add value net of costs, they can also add complexity and require a higher level of involvement from the client.
Charitable Giving Optimization
There are many avenues for gifting to the causes and organizations you care about. We help you utilize tools and strategies that best fit your charitable inclination. Understanding the thresholds for tax deductions given for current contributions helps you get a benefit for the gifts you already plan to make simply by using the right tool.
Tax Return Review
This is an optional service and is up to you each year as to whether you share your return. We are not tax advisors and recommend you speak with your tax advisor for specific tax advice. However, we can certainly utilize your tax information to position your investments more efficiently.
Withdrawal Strategies
In retirement, you shift from a paycheck that is taxed automatically, to drawing from retirement accounts to supplement social security and any pensions. These withdrawals are taxed in various ways depending on source.
Financial Coaching
A strong financial plan is a roadmap for your net worth. It informs decision making and reduces stress. Everyone should have a financial plan, though the depth and scope of what is valuable to the individual will vary.
A La Carte Services
Sometimes a major decision is the only current priority. A potential job change, a home purchase, a large gift or expense, or a change in circumstances can have a major impact on your future. The right asset allocation, maintained and tweaked over the years, is a major factor in your long-term average returns.
Comprehensive Retirement Planning
Retirement planning shouldn’t start at retirement; it should start well before. We take a long-term view of your financial wellbeing to help create a life after work that is as well-planned as your life while working.
Estate Planning / Family Meetings
Estate planning is for everyone, not just the wealthy. A simple will, Powers of attorney for healthcare and property, and a living will can be crucial tools for you and your family to enact your wishes, and they must be in place before they are needed.
