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 MANAGEMENT INTEGRATED 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 MANAGEMENT INTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Cash flow reconciliation  
Debt management  
Mortgage management  
RISK MANAGEMENT AND INSURANCE PLANNING INTEGRATED 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 PLANNING INTEGRATED 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 PLANNING INTEGRATED 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 PLANNING INTEGRATED 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 SERVICES INTEGRATED 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.