Wealth Management

Your long-term financial success is not merely a matter of investment management decisions; it is a matter of wealth management decisions. These wealth management issues are covered at regular Client Review Conferences held either semi-annually or quarterly, based on your preferences. These conferences pinpoint changes in your situation so that we can modify your plan as needed. Each year, we look at the impact of:

Cash Flow Planning

• Expected receipts (salary, bonus, gifts, inheritance)
• Expected expenditures (vacations, education, gifts, home improvements)
• Appropriate cash reserve levels
• Liability analysis (mortgage pre-payment, refinancing, credit opportunities)

Protection Planning

• Homeowners, automobile and personal/professional liability coverage
• Health and long-term care coverage
• Income replacement and disability coverage
• Family financial goals in the event of unexpected death

• Update most recent retirement analysis
• Adequacy of current savings and portfolio returns
• Optimum withdrawal strategy from various portions of retirement nest egg

• Asset ownership and Revocable Living Trust alternatives
• Medical care preferences and the use of a Living Will or Health Care Declaration
• Beneficiary language in IRAs, retirement plans and insurance policies
• Current estate plan with appropriate choice`s) of Guardian`s) and/or Trustee`s)
• Maximum use of Unified Credit, Insurance Trusts and asset discounting to limit future estate taxes
• Charitable intentions and planning techniques

• Use of tax-efficient investment strategies
• Deductions from realizing tax losses
• Appropriate contributions to various retirement accounts
• Opportunities for business owners
• Retirement distributions to maximize advantage of lowest income tax brackets
• Charitable contributions and appreciated assets
• Stock option exercise strategies

An advisory relationship with an experienced firm that knows you – personally.