Financial planning is at the core of everything we do.
By combining investment management and ongoing advisory support, we aim to help ensure you get on track and stay on track, no matter what challenges life throws at you along the way.
Many new wealth management clients start with a comprehensive financial plan. However, not all situations require a full plan, especially if you are currently going through a transition in your life. To learn more about the benefits of a comprehensive financial plan, click here.
All of our new wealth management clients begin with a review of their goals, current financial situation and savings strategy.
More on what to expect during the onboarding process:
- Organization: We’ll help get your accounts organized and consolidated at one financial institution (where possible). We’ll also create a custom diagram of your whole financial life, called the Bubble Diagram
- Retirement planning: Discuss your retirement goals and review your current savings strategy and progress towards your retirement goal, making recommendations where appropriate
- Investment management: Discuss your risk tolerance and what your portfolio will look like as a client. During this time we may also review your investment options at your current employer’s retirement plan, making recommendations where appropriate
- Tax planning: As we work through your financial life, we do so with various considerations in mind, and one of them is tax implications. Although we are careful not to let taxes drive the strategy, we do look for opportunities to gain tax efficiency and will coordinate with your CPA or accountant as needed
- Estate and Insurance planning: We’ll ask about your current estate plan and life insurance coverage, making recommendations where appropriate. If additional planning or coverage is required, we’ll work with your attorney or life insurance agent as appropriate
- Financial planning: Financial planning is really a “catch-all” bucket for everything else that may impact you over the course of your life. Much of what we do in the beginning with new clients typically centers around employee benefits, college planning, managing cash flows, stock options, and short-term goals. However, it really just depends on what your specific needs are
Over the long-term, we have helped clients navigate a variety of situations that have ranged from common to very unique. Below you will find a list of some of the more typical scenarios. To discuss your personal situation, please contact us.
What can a CERTIFIED FINANCIAL PLANNER™ professional help you with?
We’ve seen a lot since 1987, but we know that you can’t always plan for everything. Life is sure to bring surprises – both good and bad. However, there are a number of situations we frequently work to help clients plan for or address.
- Where do I stand financially today and for retirement
- Paying for unexpected medical expenses, home repairs, or dependent adults or children
- How to invest extra cash or a windfall from an inheritance or sale of a business
- Reducing the investment risk of a concentrated stock position or undiversified portfolio
- Leaving a legacy to your family or a charity
- Buying a home, refinancing, using home equity
- Managing stock options, deferred compensation, stock appreciation rights, and other forms of equity compensation
- Navigating a severance package after being unexpectedly laid off
- Helping ensure estate planning documents are kept up to date
- Simplifying and organizing your financial life with a cohesive financial and investment strategy
- Caring for aging parents
- Managing retirement plans at work and taking advantage of employee benefit plans
- Downsizing or moving to a nursing home or assisted care facility
- Ongoing investment management from a fiduciary and fee-only financial advisor
- Evaluating your insurance coverage such as life and disability
- Working to help clients limit unnecessary exposure in the market by emphasizing diversification, discipline, and patience
- Saving strategies to make the best use of cash flows and income
- Financial modeling and projections
- Tax-efficient investing and planning with tax consequences in mind
- Education planning and saving for college