Proper financial planning is an ongoing process. Life’s circumstances, goals, and opportunities changeover time. We believe that an ongoing relationship is key in developingand maintaining sound planning and investment strategies to stay on track and achieve your goals.
In light of this life-stage approach and emanating from our deep expertise in retirement, tax, and investment planning, we provide a focused array of services to best fit your needs. You may get immediate benefit from our deep expertise with your complex situation. Or you may prefer to start simple and grow with us, knowing we have the greater capabilities you may need in your brighter future.
| 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 | • | |||
| More Info | More Info | More Info | More Info |
INTEGRATED WEALTH MANAGEMENT:
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 nestegg and are seeking a coordinated strategy to make the most of what you have? 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.
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. Any planning areas may be addressed with greater emphasis on investments and tax planning.
RETIREMENT PLANNING:
Are you in or nearing retirement and wondering whether you’re on track? Unsure how to take your pension, Social Security, or how to create income from your portfolio? Utilize our retirement planning expertise to put you on the right path and keep you there, maintaining your lifestyle throughout retirement and making sure your money lasts.
Our Retirement Planning service is generally for those within fifteen years of retirement to those in retirement with less than one million dollars in investable assets. Areas of focus tend to be on cash flow, retirement planning, and investments.
WEALTH ACCUMULATORS:
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 payingdown debt or increasing your lifestyle? Are you trying to save for retirement, college, or private school? We can help you simplify and prioritize your finances todaywhile planning for an even brighter future.
Our Wealth Accumulator service is generally for younger individuals and families that are building wealth. Areas of focus tends to be more on cash flow, debt management, risk management, and investments.
INVESTMENT MANAGEMENT ONLY:
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 you reach your investment goals. Investment Management Only clients generally have a minimum of fifty thousand dollars in investments.
