(Comprehensive) Financial Planning
We build more than a financial plan; we build relationships with our clients. We want to understand your goals and know if your circumstances change, so we can adjust your plan to help keep you on track.
Our comprehensive approach to planning includes understanding your financial future and creating a plan aligned with your short and long-term goals including: retirement, college funding, estate planning, and investments.
We want to know how much risk you’re comfortable with, so we can review your portfolio and align it with your goals and risk tolerance.
After your plan is confirmed and in action, we’ll regularly meet with you to review it and discuss any needed changes to keep you on the path and work toward your financial goals.
Goal Review
Wealth management is more than knowing where your investments are – it’s working with every aspect that contributes to your wealth – your financial and estate plans, charitable contributions, tax strategies, and building lasting relationships with the professionals, such as attorneys and tax professionals.
Investment Management
Are your investments working for you? We have tools to analyze your current portfolio and help you understand if it’s helping you reach your financial goals.
We can design a personalized portfolio for you based on your short and long-term goals and identify the strategies that are aligned with your risk tolerance and overall financial plan.
In addition to regularly reviewing your investments with you, our client portal allows you to easily access your accounts to see how they’re doing.
Wealth Management
We take an active approach to helping you manage and grow your wealth. We know that you’ve worked hard for what you have, so we work with you to coordinate all aspects that contribute to your wealth – your financial, retirement and estate plan, funding your children’s education, and your investments.
We work with you to understand and analyze your situation and offer solutions to help keep every aspect of wealth working toward your financial goals.
Investment Management
Are your investments working for you? We have tools to analyze your current portfolio and help you understand if it’s helping you reach your financial goals.
We can design a personalized portfolio for you based on your short and long-term goals and identify the strategies that are aligned with your risk tolerance and overall financial plan.
In addition to regularly reviewing your investments with you, our client portal allows you to easily access your accounts to see how they’re doing.
Retirement Services / Pre-Retirement
Before you embark on your retirement journey, it’s important to have a plan in place. We’ll work with you throughout your transition into retirement to understand your financial goals, lifestyle, and plan for income.
Your plan doesn’t stop there – we continue to meet with our clients after retirement, to review plans and investments, and help stay focused on their retirement goals.
Business Planning (Succession & Continuity, insurance needs analysis)
For your business succession plan, we’ll work with you to understand how much your business is worth, analyze your insurance, and determine any gaps, and help establish a smooth transition for when you move on.
Retirement Income Planning
The income you rely on during your retirement may come from many sources such as a pension, Social Security, 401(k), and personal retirement accounts. Based on your goals for retirement and resources, we’ll work with you to develop an income plan and offer solutions to help your income last throughout your retirement.
Legacy Planning
Plan for the future with a plan for your legacy. We can help you identify giving strategies and work with trust administration professionals to establish your legacy plan including charitable giving, trusts, up-to-date beneficiaries and help ensure a smooth transfer of assets.
Education Planning
We understand that our clients want the best for their children – part of that is providing them with a college education and relieving them of the burden of student debt. As education costs increase, the sooner you start planning for your children’s educational future, the better.
We incorporate education funding into your comprehensive financial plan by creating a timeline, evaluating the expenses, and discussing your funding options.
Risk Management Planning /Analysis
Understanding how much life insurance you need means taking a deeper look at your financial situation – income, college expenses, mortgage, and debt. We can analyze your current policy and see how it aligns with your finances and make recommendations.
If you don’t currently have a policy, we can work with you to find one that’s a best fit for you and your family. You want to ensure that your loved ones are provided for after you’re gone, which is why discussing your life insurance options with a financial advisor is so important. We can review your current financial plan and unique situation to determine which type of life insurance policy can help protect your family against the financial expenses they would face in the event of your death.
Estate Planning
Having a will and trust is great start when it comes to your estate planning – we can coordinate with your estate planning attorney to help you understand the complete picture of what happens to your assets after you’re gone. This means making sure that your wealth is set to transfer to the appropriate beneficiaries, knowing the tax implications, and the process that your loved ones would encounter when it’s time to transfer your estate. We also work with you and your estate planning professional to keep your estate and financial plan aligned with your goals.
Centers of Influence
We work with a network of professional referrals that, when coordinated with, help us manage your wealth and financial plan. To help develop a comprehensive financial plan, we recommend establishing relationships with trusted attorneys, mortgage consultants/companies, and tax professionals.
Cash Flow Management
Creating a financial plan involves understanding how to effectively manage your money to help you reach your goals.
Many individuals strive to be debt-free, allowing them to focus on other purchases or life events. We’ll work together to create a budget based on your income and necessary expenses. As you meet your goal, we’ll develop a plan for saving and investing, so you can focus on the future.
Charitable Giving Strategies
Set up a donor-advised fund Charitable giving is meaningful to investors and non-investors alike. As an investor, we’ll work with you to understand if a donor- advised fund is a good fit for you. Donor-advised funds allow you to donate securities and direct your contribution to your registered charity of choice and receive a tax-deduction immediately.
Retirement (could this be retirement services, more of providing 401(k) options, etc.)
If you’re a small business owner, we can help you attract and retain talent with a small business retirement plan. We can help you design a plan, select a range of investments and provide end-to-end service and support, so you can focus on your business.
Lifestyle
What type of lifestyle do you want to maintain during retirement – do you envision yourself traveling to must-see tropical destinations with your spouse? Or maybe settling down and spending time with your loved ones? Whatever your ideal lifestyle is that you want to carry on throughout retirement, it’s important to take that into consideration when developing your financial plan. We will work with you to understand what expenses to prepare for throughout your retirement and build a plan to suit your needs.
Strategies
We do more than just a build a plan for you – we have solutions available to help make sure that your wealth is working for you and your financial plan.
- Complete portfolio solutions for a range of investing goals
- Custom high-net-worth solutions tailored for your unique situation
- Investment strategies for wealth accumulation to income distribution
- Investment solutions: The AssetMark, Inc. platform, a SEC registered investment adviser
- Financial planning solutions: eMoney
- Portfolio comparisons: PortfolioEngine, Kwanti
What is a fiduciary?
Being a fiduciary means acting in good faith and trust – why does it matter? When managing your hard-earned assets, we uphold our fiduciary responsibility and always act in the best interest of you, our client.
Solutions
Developing a comprehensive financial plan means understanding your goals, situation and the amount of risk you’re willing to take with your investments. Reconciling your comfort with risk and your financial objectives is crucial to a successful plan.
We’ll work with you to identify your risk tolerance and demonstrate how your portfolio may respond to different market environments.
Risk Assessment
By reviewing and talking through your answers to our Discovery Questionnaire, we’ll better understand how you view the balance of possible rewards of investing with the potential risks.
