Financial Life Planning facilitates an understanding of each client’s relationship with money as well as their unique values, attitudes, and beliefs. This knowledge and insight will indicate how to tailor your financial advice to each client’s needs, expectations, and aspirations. This process allows us to adopt a fresh perspective and facilitate a meaningful goal-setting process to align their visions of the future with their personal values and priorities.
We believe there is freedom in money conversations and teach our clients how to have the necessary and sometimes uncomfortable conversations with the key people in their lives so they can make the best financial decisions for them and their family. We also frequently host family meetings where we bring generations of families together to open the lines of communication and build a foundation for financial readiness.
We take a proactive approach to tax management. The tax impact of financial and investment decisions factors into all our planning strategies and eliminates unexpected accounting surprises.
We review all aspects of risk to ensure clients are financially protected during unexpected life events. Rest assured that because we are a fee-only and independent wealth management company, our recommendations are always in our clients’ best interests and not biased to a particular product, as we do not accept commissions or referral fees. Instead, we work with independent brokers to purchase the correct insurance coverage to meet each client’s unique needs.
We find that many clients are involved with non-profits and enjoy giving time, money, or both, to these charities. We devise a plan that narrows the focus for giving, determines the best charitable vehicle and improves fulfillment in this important area of a client's life.
Getting a clear financial picture can help ease the transition into retirement because, at the very least, you’ll know what accounts you will be drawing from, where they are being managed, how your investments can continue to generate income for you, and what tax liabilities they may impose. It requires discipline and clarity to keep your finances organized before and during retirement.
We take the time to understand what is important in terms of a legacy and ultimate plans for assets. After reviewing current estate documents, we will visually illustrate how current assets would pass to heirs, other important individuals, or charities. Based on this insight, we can ensure estate documents accurately reflect our clients’ wishes and are updated when needed.
The use of Socially Responsible Investments (SRI) and Environmental Social Governance (ESG) is an important opportunity to put investment dollars behind important themes that can influence the future while making a profit. We provide all clients with education about ESG investment opportunities with the ability to build customized portfolios to reflect their values.