Investment Management
We are a fee-only advisor providing comprehensive and customized wealth management services to individual and business clients. We follow three key principals in order to deliver top quality investment management services. First, we believe establishing an appropriate and efficient asset allocation model is the most important element in generating the desired investment performance. Second, by making tactical decisions to exploit opportunities or avoid undue risks we attempt to add incremental value over a buy-and-hold strategy. Finally, we implement active management in less efficient asset classes in an effort to outperform the respective benchmarks and peers. We believe our investment management philosophy offers clients the best opportunity to meet their investment objectives without taking on excessive risk.
Retirement & Estate Planning
Planning for retirement can be both exciting and overwhelming. A diligent savings plan prior to retirement and a strategic withdrawal strategy during retirement are essential for achieving your goals. Your plan is dynamic and will change over time. As your needs change, we will measure your progress and adjust your plan accordingly.
There are several factors to consider as you plan your estate. The structure of your estate plan and the titling of your assets will have a significant impact on the assets your beneficiaries receive. Wealth Advisors can help you craft a plan that will achieve all of your wealth transition goals. We can model multiple scenarios and illustrate the benefits of implementing various planning methods. Our professionals stay abreast of the ever-changing tax laws and will work with you to revise your estate plan as needed.
As a business owner, you can rely on the talent and experience of our Business Transition Advisors to help you address your unique situation. Your business represents a significant portion of your wealth, and employing the right transition strategy is paramount to achieving your long-term financial goals. By engaging the right resources at the right time, we help our clients achieve their goals, mitigate risk and prepare for the future. We will help you develop long-term personal goals and identify potential exit strategies, assess the tax impacts of transition alternatives, determine the value of your business and what you need to derive from it to achieve your desired lifestyle, and design a strategic transition plan that coordinates business, personal, family, legal and financial needs.
Risk Management
Risk management is integrated into our investment philosophy to aid in the protection of wealth. A successful investment strategy involves accurately determining an appropriate level of risk for your portfolio. Your financial goals, investment time horizon and your stage in life help determine the degree of risk in your portfolio.
Managing your risk also includes looking at your existing insurance policies and ensuring that you, and you loved ones, are protected from the range catastrophes that can effect you. Many people feel all they need is life, auto, and homeowners insurance but there are many life situations that might warrant other policies such as: long term care, disability, or an umbrella policy to name a few. On the other hand, many other people have been over insured and potentially could save a lot of money by reducing their premiums down to a more reasonable level. No matter what your situation is, it is imperative to consider insurance in your comprehensive financial plan.
Tax Planning
Tax legislation changes rapidly. Our experts are continuously assessing how to apply these changes to your individual situation and will present you with various planning ideas throughout the year. Strategic tax planning allows you to achieve a variety of goals, including: establishing a gifting plan or leaving a charitable bequest, selecting the most tax efficient deferred compensation strategy, modeling the tax impact of exercising stock options and selling ESPP shares, and projecting cash flows and tax liability from the sale of a business or low-basis real estate.
Year-end tax planning allows us to summarize your current year tax situation and develop tax savings strategies. The implementation of these short-term strategies could greatly reduce your tax liability. Year-end planning also includes projections for the following tax year and an appropriate tax withholding plan.