Our Services
Investment management involves strategically overseeing your investments to preserve and grow wealth, while also generating income for retirement. This process includes researching, analyzing, and making informed decisions aligned with your financial goals and risk tolerance. Effective investment management requires ongoing attention and typically includes the following key activities:
- Asset allocation
- Rebalancing
- Tax optimization
- Risk and expense management
- Budgeting and Cash Flow Management: Helping balance monthly income for current essentials and discretionary spending while determining the appropriate amount to save for retirement.
- Debt Management: Advice on managing or eliminating debt before retirement to improve financial security.
- Estate Planning: Assistance in planning the transfer of assets to heirs, including wills, trusts, and beneficiary designations, ensuring one’s legacy is passed on according to their wishes.
- Mortgage & Refinance Analysis: Purchasing a home will likely be the most expensive purchase you make. Utilizing the appropriate mortgage product can save you thousands in interest costs.
- Charitable Giving: Determine the optimal giving strategies from a tax perspective to give to your favorite charity, church, or non-profit organization.
- Social Security Timing Strategies: Guidance on when to start taking Social Security benefits to maximize lifetime income, considering factors like health, life expectancy, spousal benefits, and need for current income.
- Long-Term Care Planning: Strategies to cover potential long-term care needs, including evaluating insurance options.
With a well-developed retirement plan you should be able to answer the following questions.
- How much should I be saving today to achieve the lifestyle I envision?
- At what age can I realistically and confidently retire?
- What level of spending can I comfortably maintain throughout retirement?
- Will my retirement savings last throughout my lifetime—and potentially beyond?
- Disability insurance need analysis
- Life insurance need analysis
- Adjust tax strategies for changes in tax policy
- Adjust your tax Withholdings/Allowances
- Analyze your portfolio for tax-loss harvesting
- Analyze your portfolio for tax-gain harvesting
- Collaborate with your tax preparer
- Review your tax returns as needed
- Employer stock option planning
- Tax bracket management in retirement
- Optimize your investments for tax-efficiency