Wealth Management Services
Most people dream of the day when they can escape the 9-to-5 grind, but how will you actually get there? We work with clients to build a road map to that dream. We help you determine how much of your income you should be saving, which tax-advantaged retirement accounts are right for your situation, decide the best time to start taking your social security benefits, and more.
After doing our own research, we develop long-term strategic, diversified allocations based on global investment themes, your needs, and your goals. Shorter-term tactical changes are also made to your portfolio as necessary. We review these changes with you on a regular basis and are available to answer any questions you might have the interim.
We also provide access to our online portal and vault where you can, track performance and account history, link all your other financial accounts (including mortgages, checking, savings, etc.), build and track your budget, and securely store financial documents.
Nobody likes to think about death, but appropriate planning is vital to ensuring that your wishes are carried out and that your estate isn't unnecessarily diminished by taxes. Working with both you and your attorney, we review your documents, making sure that you're keeping them up to date and that your beneficiary designations are suitable.
In addition, we offer our clients free access to the EverplansTM system, a secure portal where you can organize all your estate documents and information, and even give access to your children or executors.
Is a prepaid college tuition plan right for your child? How can you save for the ever-increasing costs of higher education in the most efficient way? We help you answer these types of questions. If you like, our advisors will even sit down with your college-bound teenagers to explain the pros and cons of student debt and the financial realities of their chosen educational path.
As a business owner, you have unique concerns on which we can provide guidance. Are you a sole proprietor? We can help you determine what types of retirement accounts will allow you to maximize your savings. Are you ready to hire employees and need to create a company 401(k) plan to stay competitive? We can take of that for you too.
Is it better for you to take a distribution from your investment account or an IRA? Should you sell that appreciated stock you've owned for 20 years? What are the consequences of making an early 401(k) withdrawal? Our advisors work with your CPA, review your tax returns and dig deep with you to find the answers.
All the financial plans and reports in the world are useless unless we ensure you understand them. From educational webinars, client events, and helpful articles on our social media to individualized meetings geared to reviewing the details of your specific situation, furthering your financial education is one of our top priorities, regardless of whether you join us as a highly sophisticated investor or a financial novice.
Figuring out the when, where, why and how of making large charitable donations can be daunting. Some choose to establish a foundation, others a charitable trust, still others prefer to gift cash or stocks upon their death. We work with you to determine which options are best suited to your situation, and include your attorney and CPA in the conversation as need.