Wealth Accumlators:

Are you busy advancing your career and spending time with your family with little time to focus on your finances? Do you have competing objectives of paying down debt or increasing your lifestyle? Are you trying to save for retirement, college, or private school? Are you feeling financially squeezed? We can help you simplify and prioritize your finances today while planning for an even brighter future.

The Joneses were both physicians and were looking for an advisor to help them simplify their busy lives and gain clarity on their finances. After coming to see us, we worked out a plan to buy a larger home while at the same time addressing their sizable student loans. They established a college savings plan with appropriate funding while also obtaining the life insurance that they needed, given their growing family.

The Joneses said, “We are so busy and life is getting more complex. It’s great to have an advisor that efficiently works with us in a transparent manner to make our lives easier. We go to one place for expert advice on taxes, investments, and planning. We’d never get this done—and done right—if it weren’t this way.” *

Our Wealth Accumulator service is generally for younger individuals and families that are early to mid-career and are building wealth. Areas of focus tend to be more on cash flow, debt management, risk management, and investments. All Wealth Accumulator clients receive advice from a Certified Financial Planner™ Professional.

 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.