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The Nine Wealth Management Issues Guiding Your Plan

In our 30 years of working with clients, nine wealth management issues have emerged as the most important concerns for our clients. These concerns will guide the development of your financial plan’s recommendations, as well as the maintenance of the plan.

  1. Investment management: We create an investment strategy designed for your unique goals, and can utilize our Advance and Protect Strategy or Growth Strategy according to your needs and risk tolerance.

  2. Cash flow and debt management: We identify where your money is going each month and evaluate potential opportunities to improve your cash flow through tax strategies and proper debt management.

  3. Family risk management: We evaluate your current insurance policies to determine if they are meeting your needs at this stage of your life.

  4. Retirement planning: Whether you are just starting to plan for retirement or have already retired, we can partner with you to create a retirement plan to help you achieve your vision of retirement. Your comprehensive plan will address your income needs, potential tax implications, and other risks that could stand in the way of realizing your vision.

  5. Education planning: We will help you identify how much money you will need to send your children or grandchildren to college, determine how much you need to save, the most tax-advantaged manner to do so, and how this dedicated investment fits into your overall investment management plan.

  6. Legacy planning: We can help you create a legacy that minimizes income and estate taxes while maximizing the amount of money going to your family.

  7. Business planning: We can help you evaluate and implement strategies that not only protect your business’ value but also take advantage of opportunities that could improve the cash flow, tax situation, benefits, and bottom line of your business.

  8. Special situations planning: Whether it is a wedding, second home, or long-term care for a parent, we are here to help you with situations that do not always fit nicely into the other wealth management issues. We can assist you in determining a path to get you through whatever financial challenges and opportunities that arise.

  9. Tax planning: We integrate tax minimization strategies into your overall plan and will contact you throughout the year about changes that could affect you. We combine our extensive tax expertise and real-life experience to design wealth-building strategies that help minimize income and estate taxes and retain more money for you and your family.