Our SERVICES

Comprehensive wealth planning includes many facets of financial planning and investment management.  Depending upon the client, certain areas of planning may be of paramount importance while other areas may not be of concern at all.  Since every family is unique, it is our job to assess both the perceived and true importance of each topic and to create a plan which addresses the client’s own perspectives, history and priorities.

Comprehensive Wealth Planning

 

 comprehensive-wealth-management

 

 

Our Services

1.  Clarification of Goals

  • Understand values, aspirations, family dynamics and special concerns
  • Prioritize goals and objectives

2.  Retirement Planning

  • Assess standard of living
  • Build The Retirement Shock Absorber®
  • Calculate rate of withdrawal
  • Analyze pension and social security benefits
  • Develop Retirement Income Plan

3.  Investment Planning

  • Evaluate risk tolerance
  • Determine an asset allocation strategy
  • Present investment strategy recommended for portfolio and account structure
  • Select investment managers
  • Tax management
  • Monitor and re-balance based on plan requirements

4.  Estate Planning

  • Discuss family dynamics, legacy planning and current estate documents
  • Ensure estate plan accomplishes client’s intentions
  • Coordinate with estate planners and attorneys
  • Mitigate estate taxes
  • Implement wealth transfer and gifting strategies

5.  Risk Management

  • Evaluate existing insurance coverage
  • Assess needs for asset protection, goal protection, income protection and liability protection
  • Coordinate with insurance industry specialists and attorneys

6.  Tax Planning

  • Develop income and withdrawal plans
  • Mitigate taxes
  • Assess tax consequences of investment portfolio and conduct tax-loss harvesting
  • Coordinate with CPAs and accountants

7.  Education Planning

  • Discuss educational goals
  • Evaluate educational savings vehicles
  • Determine appropriate investments for education fund