Optimize your financial path
Our Services
We design, establish and sustain a financial plan for you, adopting an integral view of all inter-related aspects of your financial life. We use modern portfolio theory, numerical projections, goals-based advice, behavioral finance, and other frameworks to bring light to your realities, risks, opportunities, and implications for decision making and the future. We then take, with you and often Tax and Estate professionals, a collaborative approach to facilitate personally-driven, evidence-informed decision making in a process that renders you more secure and in control of your finances.
Net Worth Integration
We track and project your net worth and adjust your financial plan with it, including revisions of investment policy and investment plan, insurance needs, and Estate Plan. As your net worth evolves so does your risk capacity, so we revise in that context all aspects of your investment policy and investment plan. Also, with a changing net worth, the need for life, disability and long-term care insurance shifts, as do the most appropriate level of coverage from home, auto and umbrella insurances. Timely reviews help identify unnecessary exposure to vulnerabilities, that can be eliminated with insurance, and unnecessary coverage and related expenses. Finally, your Estate Planning priorities are all reviewed as they may also change with your evolving net worth.
Life, Disability and Long-term Care Insurance Planning
Home, auto and umbrella insurance needs analysis
Employer Benefits Guidance
Necessary and Discretionary Budget Establishment
Large Purchases and Related Tradeoffs Analysis
Monte Carlo Simulations and Probability Analysis
Investment Management
In alignment with your financial plan we create your investment policy statement and leverage it as a guide for building, executing and maintaining your investment portfolio, which we understand as a cornerstone of your financial well-being. Since we serve as an independent investment advisor, we are not tied to, nor receive compensation from, any products or companies, which allow us to focus on your best interest and to evaluate the entire investment universe.
Our research-based strategies broaden the focus in investment returns to include likelihood of goal-achievement, thus putting at the center of our investment decisions an appropriate balance between returns and risk, considering both risk tolerance and capacity. We maintain a long-term, disciplined investment approach, with diversification criteria including asset classes, sectors, and geography. In our work we leverage low-cost, tax efficient investments and rebalance opportunistically to maintain alignment with the stated investment policy.
Risk tolerance and capacity assessment
Asset allocation for both qualified and non-qualified accounts
Account monitoring and rebalancing
Account transfer coordination
Review of estate planning documents
Tax Planning
We help you shape your financial path considering both a short term and a long view of your tax liabilities. Taxes touch almost every aspect of wealth management and often are our largest personal bill. Unnecessary taxation can hinder an otherwise solid financial plan, so we address taxation strategically quantifying implications of different choices. We assist in weaving smart, tax-efficient strategies into your financial decisions to optimize your finances.
Tax diversification analysis and implementation
Roth conversion analysis and implementation
Tax minimization planning, through accumulation and distribution phases
Retirement tax bracket management
Backdoor Roth IRA analysis and implementation
Tax loss harvesting
Retirement and Distribution Planning
We partner with you to establish the financial foundation that can support you focusing on your health and wellbeing, family, community, and purpose. This financial foundation often involves organizing, growing, protecting, and transferring wealth. Whether it is about income planning from fixed sources (e.g. social security and/or pensions) or variable sources (e.g. investment portfolios, rental or business income) and related tax strategies, we use our financial planning frameworks to establish, and maintain your retirement and distribution plan.
Our process supports the safeguarding of your financial resources so your legacy leads to the impact you would like to have on future generations. It involves aspects of Estate and Trust Planning, including gifting strategies, and wealth transfer.
Generational planning
Guaranteed income stream strategies
Retirement income and distribution management
Fixed and discretionary budget creation
Retirement tax bracket management
Gift strategies and legacy planning
Social security analysis and medicare surcharge planning
Long-term care planning
