our holistic approach
to financial planning
get started with our holistic approach
learn about our five pillars
Managing wealth isn’t just about having money; it’s about understanding how to make it work for you effectively while also considering your long-term financial goals. With our expertise, we aim to provide comprehensive solutions to help you navigate the complexities of wealth management, allowing you to focus on what matters most to you. Whether it’s planning for retirement, minimizing taxes, or creating a lasting legacy, we’re here to help you every step of the way. Let us handle the complexities so you can enjoy the benefits of your wealth with confidence and peace of mind.
Our process integrates our five pillars of holistic wealth management: Financial Planning, Asset Management, Tax Management, Protection Planning, & Legacy Planning to achieve your financial goals.
Financial Planning & Advisory:
Financial planning is the foundation of wealth management. Our process involves:
Assessment of Current Financial Situation: We start by understanding your current financial situation, including income, expenses, assets, and liabilities.
Goal Setting: We work with you to set clear and achievable financial goals, whether it’s saving for retirement, buying a home, funding your children’s education, or planning for other major life events.
Roadmap Creation: Based on your goals and financial situation, we create a personalized roadmap to help you achieve those goals. This roadmap includes strategies for cash flow planning, savings, investing, and retirement income distribution.
The Bucket Plan®: Our holistic planning process, The Bucket Plan®, helps you prioritize your goals and provides a framework for growing and protecting your wealth. This involves segmenting your assets into different “buckets” based on your time horizon and risk tolerance, ensuring that you have the right mix of investments to meet your short-term and long-term financial needs.
Ongoing Monitoring and Adjustments: We regularly review and adjust your financial plan to ensure that it remains aligned with your goals and objectives as your life circumstances change.
asset management
Managing a significant amount of assets requires an informed and disciplined approach. Our asset management services include:
Customized Investment Portfolio: Our expert team helps you construct a tax-efficient investment portfolio tailored to your risk tolerance, time horizon, and preferences. We carefully analyze different investment options and work with you to customize a portfolio that aligns with your financial goals.
Regular Monitoring and Adjustment: We believe in active portfolio management. Our team regularly monitors your portfolio and makes adjustments as needed to optimize returns while managing risks. This includes rebalancing your portfolio and making tactical adjustments based on market conditions.
Diversification Across Asset Classes: We look beyond the traditional stock market and help you manage all the assets in your financial life. This includes not only stocks and bonds but also real estate, private equity, and other alternative investments. By diversifying across asset classes, we aim to reduce risk and enhance returns over the long term.
Tax Efficiency: We are mindful of the tax implications of your investment decisions. Our team employs tax-efficient investment strategies to help minimize your tax burden and maximize your after-tax returns.
Comprehensive Asset Management: Our goal is to help you manage all the assets in your financial life comprehensively, ensuring that your investment portfolio is aligned with your overall financial goals and objectives.
tax management
Taxes can significantly impact your total wealth if left unmanaged. Our approach to tax management is three-fold:
Tax Planning: Tax planning is the blueprint for saving you money on taxes. Our team works with you to develop a proactive tax strategy that considers your unique financial situation and long-term goals. By identifying opportunities for tax savings, we help you minimize your tax liability and maximize your after-tax wealth.
Tax Management: We oversee your taxes throughout the entire year to reduce your current and lifetime tax liability. This involves:
- Regularly reviewing your financial situation and making adjustments to your tax strategy as needed.
- Identifying tax-saving opportunities and implementing strategies to optimize your tax position.
- Monitoring changes in tax law and advising you on how these changes may impact your tax situation.
Tax Preparation: Our team of Enrolled Agents handles all aspects of tax preparation for you. You don’t need to navigate complex tax laws on your own — our experts take care of it for you. We ensure that your tax returns are prepared accurately and filed on time, giving you peace of mind knowing that your taxes are being managed effectively.
protection planning
Protecting your wealth involves assessing and mitigating risks that could affect your financial well-being. Our approach includes:
Insurance Coverage:
We help you assess your insurance needs and ensure you have appropriate coverage to protect against unforeseen events and potential financial losses.
This may include:
- Life insurance to provide financial security for your loved ones in the event of your death.
- Health insurance to cover medical expenses and ensure access to quality healthcare.
- Long-term care insurance to protect your assets and provide for your long-term care needs.
- Disability insurance to replace lost income if you are unable to work due to illness or injury.
Wealth Protection Strategies:
We develop strategies to safeguard your wealth from potential risks, such as economic downturns, market volatility, or legal liabilities.
This may include:
- Diversifying investments to reduce risk and preserve capital.
- Setting up asset protection trusts to shield your assets from creditors and legal judgments.
- Employing risk management strategies to mitigate the impact of unforeseen events on your financial well-being.
legacy planning
Preserving your legacy and efficiently passing on your wealth to your chosen beneficiaries is a top priority, especially for those with considerable wealth. Our approach to legacy planning involves:
Asset Organization and Management:
We help you organize and manage your assets to ensure their efficient transfer to your beneficiaries after your death.
This includes:
- Identifying all of your assets and determining how they should be distributed.
- Ensuring that your assets are properly titled and beneficiary designations are up to date.
Estate Planning:
Estate planning is about answering three simple questions upon your passing: Where does your money go, who is in charge, and what are the rules?
Our team may work with top estate planning attorneys to help create wills, trusts, and other documents to protect your assets, minimize taxes, and ensure your wishes are carried out.
This may include:
- Drafting a will to specify how your assets should be distributed.
- Establishing trusts to provide for your loved ones and protect your assets from creditors and unnecessary taxes.
- Creating powers of attorney and healthcare directives to ensure that your financial and medical affairs are managed according to your wishes in the event of your incapacity.
- Implementing strategies to minimize estate taxes and other transfer taxes.
Regular Review and Updates:
We understand that your circumstances and priorities may change over time. That’s why we regularly review your estate plan and make updates as needed to ensure that it continues to meet your needs and objectives.
