Are you great at making money but tired of dealing with the complexities and lack of clarity around your finances? Have you already accumulated a respectable nest egg but are seeking a coordinated strategy to make the most of what you have?

The Successful Smiths have done well but felt like they were missing something. We created a financial life plan that aligned their money to their goals. Social Security and pension claiming decisions were optimized as were strategies for deferred compensation plans and stock options. Investment decisions were then custom tailored to their retirement plan. We also focused heavily on a tax-efficient, retirement distribution plan to not only meet their lifestyle goals but ensure as much of their wealth as possible will either be kept in their family or directed to causes they support.

For couples like the Successful Smiths, we focus on simplifying and streamlining all the pieces of your financial life by creating an integrated strategy that aligns your money to your financial goals, overlaid with smart tax strategies. The Smiths shared, “Things don’t seem nearly as complex anymore. We see how everything fits together into a strategy custom built for us and our future. The peace of mind we have around our money is absolute bliss.” *

Our Integrated Wealth Management service is generally for those that have a minimum of one million dollars in investments or have increased complexity in their financial lives. Integrated Wealth Management clients generally require a greater emphasis on investments and tax planning, yet any planning areas — such as retirement planning, estate planning, risk management, etc.— may be addressed. Integrated Wealth management clients receive advice from a Certified Financial Planner™ Professional and senior advisor of the firm.

 INTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
INVESTMENT MANAGEMENTINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Institutional-class fund implementation
Management of employer accounts [401(k), etc.]
Performance monitoring and reporting
Portfolio management and optimization
Portfolio rebalancing
Tax-loss harvesting
Tax-efficiency planning for investments
CASH FLOW AND DEBT MANAGEMENTINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Cash flow reconciliation 
Debt management 
Mortgage management 
RISK MANAGEMENT AND INSURANCE PLANNINGINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Disability insurance needs analysis 
Health insurance/Medicare planning  
Life insurance needs analysis 
Long-term-care needs analysis  
Ongoing policy management 
P&C policy review (every three years)   
TAX PLANNINGINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
AMT planning   
Annual tax projections   
Capital gains tax planning   
Estimated tax and withholding management 
Medicare income adjustment planning   
Roth conversion analysis and management   
Tax return preparation and review 
Tax minimization strategies  
Tax-wise charitable giving strategies   
RETIREMENT PLANNINGINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Ongoing management of distribution plan  
Pension analysis and maximization  
Retirement goal and expense modeling  
Retirement plan stress testing  
Retirement projections   
Social Security maximization  
Tax-efficient distribution strategies  
ESTATE PLANNINGINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Beneficiary review (every three years)   
Collaboration with estate attorney and client   
Estate plan review (every three years)   
Execution of asset alignment instructions 
Referral to estate attorney  
Wealth transfer planning   
OTHER SERVICESINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Business owner planning   
College and education planning 
Concierge-type services and implementation   
Digitization and storage of critical documents 
Employee benefit analysis and optimization 
Investment real estate analysis   
Stock option strategies   
Student loan management   
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* Above scenario, while representative of many client cases, is hypothetical in nature.