Strategic and Diversified Portfolio
Your portfolio will be built based on your values and goals to help maximize growth while keeping investment fees and tax efficiencies in mind.
Personalized Risk Levels
Everyone has different risk tolerances. We help educate our clients about when it is okay to take risks and when it should be dialed back. Diversification is important in your investments, but you also need to take into consideration how and when your investments are taxed.
Diversified Strategies
It is important to keep your ETF and mutual fund costs to a minimum, as well as look for alternative investment opportunities such as real estate, private funds, and venture capital, that don’t correlate exactly with what the stock market is doing.
Income and Cash Flow Planning
Income and Cash Flow Planning
The cornerstone of any financial plan is your income and cash flow. Developing a plan that not only manages what you have coming in, but also how that income is structured will help you save on taxes as well as make funds available for endeavors that bring you joy.
Investments
Investments
You know a diversified portfolio is important, but how you diversify your portfolio is what matters most. Integrating investments such as private real estate, private credit, venture capital funds, and other cash-producing ventures are ways you can stabilize an all-stock portfolio for long-term growth and lower volatility.
Tax Planning
Tax Planning
Taxes come in many forms and can eat up your income over the long-haul if you’re not aware of where they’re coming from. Because you own a business, you should look at how your income is structured and how you’re maximizing the ability to defer income. We take pride in our awareness of the ever-changing tax code and how our client’s investments are taxed.
Retirement Planning
Retirement Planning
When people think of financial planning, the first thing that often comes to mind is retirement. Much like the tax landscape, the retirement one is constantly changing too. Having diversified buckets of taxable, tax-deferred, and Roth assets is key to having a sustainable nest egg, giving you confidence in and flexibility for your retirement. This is especially important as you may look to start to draw on some of your portfolio in your 50’s.
Estate Planning
Estate Planning
We will review your wills, trusts, and other estate documents to ensure they fit with your values and goals. If needed, we will connect you with an estate planning attorney to draft the necessary documents that ensure a smooth, tax-efficient transition of your assets to your heirs. It is also critical to understand how your business entity will transition to your heirs if something were to happen to you.
Insurance Planning
Insurance Planning
We do a deep-dive review of all employee benefits, life insurance, disability insurance, and long-term care, as well as your home, auto, and umbrella policies to make certain you are protected in the event of a catastrophic or unforeseen circumstance. We work with carefully selected insurance brokers to ensure our clients receive the best options available. As your net worth increases, we can explore solutions to pass your estate on in the most tax-efficient manner.
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