EXPERIENCED INVESTMENT MANAGEMENT
- Reviewing your investments and designing a personalized portfolio specific to your needs
- Active management and periodic rebalancing
- Regular meetings to review and evaluate your investment performance, cash flow needs, and address any changes to your financial situation
- Independent advice from a Chartered Financial Analyst, CFA
- Benefit from trading and rebalancing software available at TD Ameritrade and Schwab & Co.
Tax Planning
- Work proactively to avoid risks and capitalize on opportunities prior to the end of the tax year
- Focus on current and future tax brackets to identify opportunities such as Roth conversions
- Have an IRA Exit Strategy to determine the most tax efficient distribution of your IRA/401k
- Stay on top of upcoming tax legislation and how it may impact you or your beneficiaries
- Have a tax efficient allocation regarding how investments are allocated between qualified (IRA, Roth) and non-qualified accounts
- Tax loss harvesting to offset future capital gains or to offset a portion of ordinary income
- Focus on potential estate taxes and how to minimize them for beneficiaries
Retirement Income & Distribution Planning
- Analysis of current and projected income needs and matching asset allocation to meet those needs
- Develop and maintain a tax efficient withdrawal schedule through retirement
- Focus on how income needs will change for a surviving spouse
- Allow adequate cash-on-hand and available liquidity to fund emergencies and discretionary expenses (i.e. travel)
MULTIGENERATIONAL WEALTH PLANNING
- Detailed analysis of overall estate plan
- Review of beneficiary designations to ensure alignment with goals and legal documents
- Address potential long-term care needs
- Use of Irrevocable trusts to minimize estate taxes
- Charitable strategies aimed to reduce overall taxes (i.e. Donor Advised Funds and Charitable Trusts)
- Providing complete support in all financial areas to a surviving spouse or children
- Work closely with your attorney as needed