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 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.