A financial plan is a comprehensive evaluation of your current and future financial state by using known and assumed variables to model future cash flows, asset values, and withdrawal plans. Most individuals use current net worth, tax liabilities, asset allocation, and future retirement and estate plans in developing financial plans. These metrics are used alongside estimates of asset growth to identify actions that may need to be taken over time in order to achieve your financial goals. An effective financial plan should alert you to necessary changes through life’s financial phases and should be fluid, dynamically responding as financial changes occur.

We offer a progressive and diversified investment platform. We construct portfolios of diversified strategies aligned with our clients’ objectives, risk profiles, and time horizons. Our investment committee, comprised of other wealth managers and research analysts, offers a breadth of perspectives and creative thinking. Our investment process is rooted in the science and data that shapes the investment process at the nation’s largest endowments and institutions – broad asset allocation, rigorous security selection, fee reduction, tax efficiency, and opportunistic tactical allocation.

Tax planning aligns all elements of the financial plan to work together in the most tax-efficient manner possible. Reduction of tax liability while achieving your desired impact are crucial for success. Considerations include timing and amount of income, charitable giving, retirement contribution strategies, tax-deferred investment approaches, asset-location and timing of purchases, and planning for other expenditures. Careful planning for tax-loss/tax-gain harvesting, as well as employee stock compensation and concentrated holdings play an important role in long-term tax efficiency as well. The selection of investments and types of retirement plans must complement the tax filing status and deductions to pursue the desired outcome.

Estate and legacy planning involves planning for how your assets will be preserved, managed, and distributed after death while seeking to minimize settlement costs and estate taxes. It also takes into account the management of your property and financial obligations in the event of incapacitation. Assets that could make up your estate include houses, cars, stocks, paintings, life insurance, pensions, and debt, to name a few. Individuals have various reasons for planning an estate, such as preserving family wealth, providing for surviving spouse and children, funding children and/or grandchildren’s education, or leaving their legacy behind to an important cause.

A comprehensive risk management plan attempts to identify, mitigate, and where possible, insure against potential financial loss. This will include a full review of your insurance portfolio, including life and disability insurance, personal liability coverage, and property and casualty coverage to evaluate possible insurable risk liability. From an investment perspective, risk management is the process of deeply understanding your investment objectives and aligning a diversified portfolio strategy with your risk tolerance and time horizon. Inadequate risk management can result in severe consequences and jeopardize your financial plan’s success.

We are committed to delivering an exceptional client experience. While we absolutely leverage many of the benefits technology provides, our clients also value the personal relationships and direct access to our team. We often serve as a primary point of contact for many financial issues, ranging from the routine to the unexpected. And we put our money where our mouth is: If we fail to deliver on your expected level of service, we will refund you the previous month’s advisory fee.