Individual Wealth Planning
We believe that ‘One Size Fits All’ really means ‘One Size Fits None’, which is why we offer a wide range of services and fee models that allow for us to meet you where you are at.
Our planning options include:
Full Service Financial Concierge – You now have a personal Chief Financial Officer to help you and your family with all needs associated with a dollar sign. For a flat annual fee, you are provided a comprehensive financial plan, investment advice across all accounts, comprehensive insurance planning including life, health, long term care, and disability in addition to every unique need you may have.
One Time Planning – If you just want the road map, we are happy to custom tailor a full financial plan for your family, including investment allocations, insurance planning, education costs, and retirement income modeling.
In some cases, all that is needed is help in just one area. For those needs we also can offer a la carte services.
Investment Management – A comprehensive look at all of your financial accounts will lead to recommendations on asset allocation, risk tolerance, and return objectives. This service also includes various tax strategies such as tax loss harvesting, and asset location to ensure that your investments are not causing unnecessary tax costs.
Insurance Planning – This may be one of the most underappreciated segments of planning. We help by discovering not only what amount of coverage is necessary, but also the length of coverage, the flexibility of premiums as well as any income objectives that may be needed. In addition, we evaluate any benefits offered by your company and provide an analysis of your coverage and any gaps that may exist.
Education Planning – Education costs have been rising at a rate that greatly exceeds inflation. This increase in cost has meant that planning for education costs is much more important today than in the past. We can help identify and anticipate which savings plans and strategies meet the education needs and custom tailor the investment planning to match the unique timing requirements of education costs.
Budgeting – It is said that budgeting is the difference between knowing where your money is going as opposed to wondering where it went. This is an important foundational process that will ensure that you are able to meet the needs and wants of today without jeopardizing your future financial goals.