Schedule a callA Tailored Approach
Process
This is a high level overview of what we do for clients. Every situation is unique, but this gives prospective clients a good idea of what to expect.
01Determine the high-level strategy
- Take time to think through your goals, weigh the available paths, and establish a strategy before making major decisions
02Build a durable portfolio to preserve and grow your wealth over time
- Start with an appropriate allocation of stocks and fixed income depending on your goals and risk tolerance
- Consider adding liquid alternatives to increase durability through different economic environments
- Broad diversification across asset classes and geographies can reduce risk without sacrificing expected returns
03Find the optimal path to meet your financial goals—whatever they may be
- Monte Carlo simulations to ensure you're on track for retirement
- Analyze college saving strategies to maximize funding and flexibility
- Help deciding on major purchases like cars, boats, weddings, and vacation homes
- Planning for career changes, sabbaticals, starting a business, or any event that significantly lowers your income
04Implement tax planning strategies to reduce your tax bill
- Place securities in the right accounts to reduce tax liability
- Roth vs. Traditional analysis, Roth conversions, etc.
- Purchase tax-free municipal bond funds when appropriate
- Tax-loss harvesting, specifying tax lots to defer or spread taxes, and more
05Build an estate plan to ensure a smooth and tailored transfer to the next generation
- Ensure beneficiary designations are up to date across all accounts
- Ensure estate documents are in place and properly set up
- Utilize trusts if appropriate
06Insurance planning to protect your assets
- Review existing coverage and identify potential gaps across life, disability, property, liability, and long-term care insurance when appropriate
07Monitor your situation over time and make changes as needed
- Every piece of the process requires monitoring. From portfolio rebalancing to setting new financial goals to managing your tax bill—rest assured that I am monitoring every piece of your plan for the optimal solution.
Built around you
I don't believe in a one-size fits all approach. Some people want a hands-on experience, and others want to delegate everything. Some people want to meet every quarter, others want to meet once a year. The way we work together depends on your needs and preferences.