Overview of Wealth Management Services
Financial Planning
The initial phase of the financial planning process is discovery, wherein we discuss your financial needs and goals, as well as your time horizon. We will discuss your current investments, and annuities and insurance, current expenses, and future expenses.
Continual Review
Once your financial plan is implemented, your portfolio will be monitored on an ongoing basis to ensure you are on track. Both financial plans and your life are fluid and ever changing. With your input, we will adjust your portfolio in accordance to any changes you may experience over time. It is imperative to invest in well capitalized companies with earnings growth, multiple diversified industries and geographies. Further, diversifying between equities and fixed income is crucial; equities aiming to enhance growth, and fixed income as a ballast for market volatility.
Portfolio Oversight
Once we have an understanding of your unique financial scenario, a recommendation will be made, and an investment portfolio suited to your needs and goals will be implemented. Your portfolio will be optimized for your individual risk tolerance, liquidity needs, investment return goals, and tax efficiency.
Insurance and Annuities
Insurance is a sometimes glossed-over aspect of financial planning. In coordination with your tax professional and attorney, insurance may be appropriate to include in your estate plan. Additionally, it may be advantageous to include annuities in your plan for future income in retirement as a complement to social security and other investment income.
