The Pillars of Wealth Management

Effective wealth management requires a comprehensive strategy. We offer our clients straightforward advice and personalized solutions grounded in a disciplined approach, designed to target your objectives.

The following pillars of wealth management serve as the foundation for our collaborative planning process. Decisions are best made by gathering complete and thoughtful information to develop unique and customized plans tailored to you and your goals.

To start your route to wealth accumulation and management, a few thoughtful questions must be considered:

 

INVESTMENT PLANNING

  • Is your asset allocation reflective of your life goals?
  • How do you address rebalancing and volatility?
  • What amount of time do you want to devote to management?

INSURANCE PLANNING

  • Is financial risk to your family addressed?
  • Are your assets adequately protected?
  • Does your estate provide enough liquidity?

DEBT PLANNING

  • How do you use debt and is it structured appropriately?
  • Do you have concerns about cash flow and liquidity?

RETIREMENT PLANNING

  • How do you envision your life during retirement?
  • What are your strategies for coordinating retirement benefits and income?

EXECUTIVE BENEFIT PLANNING

  • Have you assessed challenges associated with concentrated stock or non-qualified/incentive stock options?
  • What is the status of any specialty types of holdings (e.g., restricted stock, pre-IPO, etc.)?

BUSINESS SUCCESSION PLANNING

  • What current needs are impacting your business?
  • What business transfer strategies have you employed? Key man insurance and buy/sell agreements?
  • What is the impact on tax efficiency with a business sale and intra-lifetime gifting?

ESTATE PLANNING

  • Are your final wishes aligned with your financial goals?
  • What is your charitable intent?
  • What is your distribution plan for wealth at death and who will carry out your wishes?