Are you seeking a reasonable return with a comfortable level of risk but not sure how to best achieve this? Investing can be intimidating. We utilize science-based, time-tested strategies coupled with a disciplined process, helping reach your investment goals.
| 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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