We recognize that money is merely a means to an end. It’s about having the financial security you need to live your life the way you want. It’s about enjoying your success, spending time with your family, and creating memories that last for generations. While money is just a means to an end, it still requires professional attention. Most importantly, it requires professional attention that acknowledges all your goals in life – not just financial goals. In addition to helping you manage your investments and finances, we help you plan your retirement, save for a family member’s education, protect your lifestyle, fund a major purchase or create your legacy. Whatever your goals, we can help. This is the essence of our approach to wealth management. There’s more to wealth than money Wealth management goes beyond investment advice and money management. It incorporates all factors concerning your wealth.
Guiding You Through Each Stage Of Your Life
Wealth management is an ongoing process to help guide you – and your family – through each stage of your life.
Accumulating wealth – growing assets
Together we develop strategies to achieve your financial objectives, including planning for retirement, funding an education or preparing for a major purchase.
Converting wealth – creating an income stream
We put strategies in place to help you maximize your after-tax retirement income. We will help you determine which types of income-producing investments are most appropriate for you.
Protecting wealth – maintaining assets
To help protect your financial well-being, we will implement proven strategies to reduce risk. Our goal is to provide you with peace of mind, help maintain your independence and preserve family harmony or current lifestyle.
Transferring wealth – creating a legacy
Working together with your other professional advisors, we will help create your legacy for family and charity, while addressing tax obligations and debts.
Five-Step Process: A disciplined process is the key
To provide wealth management, we follow a disciplined five-step process to keep you on-track to achieving your goals. A disciplined process keeps us all focused on what’s important – helping you live life the way you want.
1. Financial Analysis
In this first step, we’ll review your current investment program, including your objectives, risk tolerance, time horizon, preferences and tax situation.
2. Asset Allocation
After reviewing your program, we’ll create and recommend an investment strategy customized to your needs. This part of the process helps improve the investment decision-making process and return potential.
3. Formalize an Investment Policy
We put your plan in writing, so that your goals are articulated and your plan is documented. This can assist in avoiding risks associated with imprudent investment strategies.
Your investment policy is our guide to evaluate investment management alternatives for each investment strategy pursued in your portfolio. If necessary, we hire experts in each discipline, with outstanding track records and favorable fee structures.
5. Ongoing Advice and Monitoring
We’ll continue to assess your evolving financial needs, including reviewing individual investment managers and portfolio performance to make sure everything is in line with your expectations, goals and objectives.