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Services

While each situation is different, these are the primary areas of focus for many clients.

 

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Client Website

Client Website

  • Setup personal financial website for secure data gathering, account aggregation, goal planning and document storage
  • Show client how to use site functions depending on specific needs (budgeting, cash flow monitoring, alerts, etc.)
  • Use site as a central point of collaboration with client
  • Achieve better financial organization and client comfort with financial affairs


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Financial Planning

Financial Planning

  • Discuss financial goals and objectives
  • Measure financial risk profile
  • Assess debts, including structure and interest rates on loans
  • Analyze employer sponsored retirement plan(s) and pension options (e.g. lump sum, annuitized payout, early retirement)
  • Evaluate Social Security options
  • Review prior years’ tax returns
  • Prepare spending plan
  • Complete probability of success analysis

Learn More

 

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Investment Management

Investment Management

  • Match client risk tolerance and required risk with appropriate portfolio strategy(s)
  • Implement portfolio strategies that minimize tax liability
  • Report progress to client periodically, tying investment management back to planning
 

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Estate Planning

Estate Planning

  • Review existing documents relative to client goals and objectives (e.g. wills, trusts, powers of attorney, healthcare powers of attorney, etc.)
  • Prepare estate planning analysis
  • Model alternative planning strategies to minimize tax effects of wealth transfer and maximize benefit to heirs (e.g. titling of assets, beneficiary designations, use of trusts, etc.)
  • Work with and/or refer client to estate planning attorney to implement estate plan

Situations Where We Have Helped

 

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Recently Widowed (Retired)

Recently Widowed (Retired)

Widow’s spouse was retired and managed his own portfolio of higher risk stocks. A more diversified, lower risk portfolio in alignment with widow’s financial risk profile and cash flow needs was recommended. Managed tax impact of moving out of existing portfolio. Referred widow to and worked with estate planning attorney to help widow properly update planning documents.

 

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Recently Widowed (Younger)

Recently Widowed (Younger)

Widow’s spouse died unexpectedly, leaving three dependent children. Planned extensively for living expenses, college costs and special needs child by using life insurance proceeds, existing taxable & retirement accounts and social security benefits to meet current and long-term obligations.

 

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Retiring Physician

Retiring Physician

Physician retired with large retirement plan balance. Worked with physician’s estate attorney to address professional liability issues with rolling over retirement plan to IRA. Recommended and implemented portfolio strategy in alignment with physician’s planning. Used charitable IRA distributions (when available) to satisfy physician’s charitable giving in a tax efficient manner. Also reviewed previously purchased long-term care insurance policies and made recommendation based on current options offered by the insurance company.

 

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Retiring Executive

Retiring Executive

Executive retired early, creating the need for financial planning around stock options, pension options, retirement plan rollover, and deferred compensation plan. Reviewed various options for each and modeled several scenarios to assist executive in making key decisions. Implemented portfolio strategies that complimented planning decisions and tax-efficiently met cash flow needs.

 

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Concentrated Portfolio

Concentrated Portfolio

Investor had brokerage account that was dominated by a concentrated stock position. A greater level of diversification by reducing this position was recommended. Provided planning around future goals and greater level of ongoing investment oversight, so investor had more confidence that the portfolio was arranged to meet stated goals.

The scenarios above are hypothetical case studies and are for illustrative purposes only. Actual performance and results will vary. These studies do not represent actual clients but a hypothetical composite of various client experiences and issues. Any resemblance to actual people or situations is purely coincidental.

To best meet your financial goals and objectives, we are generally engaged in two phases: Planning & Investment Management. Planning is an important first step because it sets the roadmap for everything else we will do for you. Once we understand your goals and objectives, we are in a position to help you understand the probability of achieving your desired outcome(s) and what tools and strategies, including portfolio solutions, should be implemented to assist in that process. Following this order avoids the risk of implementing investment and other strategies while not knowing whether they are actually helping to accomplish your plan.


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