Our wealth management specialists provide an integrated array of services, combining customized strategies with proven planning methods to help you achieve your goals.
Cash Flow Planning
We tailor a retirement income and cash flow plan to meet your personal needs and objectives. We help you answer the most pressing retirement questions: "Can I afford to retire?" "Will I outlive my assets?" "How much income will my family need to meet our lifestyle goals, and where will it come from?" "Can I still receive a monthly paycheck?"
Investment Management
Based on your estate and retirement cash flow plans, plus your income tax profile, investment time horizon, risk tolerance and performance expectations, we customize an asset allocation strategy for each of your portfolios. Our alliance with an independent, multi-billion dollar asset management research group means that you have access to investment expertise and individual money managers previously available only to large institutional investors. Together we help you select leading private money managers and investments to help you reach your goals. We continually monitor your managers to determine if they are performing as expected, or if they should be replaced. And, we send you one quarterly, consolidated report that shows -- in an easy to understand format -- how your assets are performing related to your goals and appropriate market benchmarks.
Planning for Special Circumstances
Managing family wealth means not only understanding current goals, but also anticipating future family needs, planning for change, and investing your various pools of assets appropriately. Avoiding surprises allows you to relax.
Estate Planning
Up to 70 percent of your estate could be owed in estate and income taxes. We use our customized analytical software and all appropriate planning tools to assure that your hard-earned assets pass to your children, grandchildren or your chosen charities, rather than to the government.
Charitable Planning
Ultimately, our estates can pass to only three places: our heirs, charity or the government. Therefore it is important to know that you do have control over how this split is determined. Charitable alternatives, often overlooked in conventional financial and estate plans, are becoming more frequently used by our clients to accomplish their goals. Through special trusts and beneficiary designations, clients have directed over $300 million to their favorite charities. These assets are oftentimes replaced for heirs by utilizing properly structured life insurance trusts.
Ongoing Financial Advice
We encourage family meetings, at a minimum of once a year, to review our financial picture. At these reviews we ask some probing questions. "Have there been market or personal financial changes which may dictate alternate investment strategies, or new retirement or estate planning vehicles?" "Have your cash flow requirements changed?" "Do your children have new financial needs that you want to consider?" Our clients have come to appreciate the fact that we are there for them when they need us, assuring them peace of mind.
Quarterly Review
Investment Strategy
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