Services
Planning:
Interactive Retirement Planning: Custom Built Retirement Investment Plan, with multiple scenarios, stress tests, and more. Retirement advice that includes exactly how you will receive your income and from which account. This is fully accessible online, updated daily, and reviewed at least annually according to your schedule.
Tax-Efficient Strategies: An optimal tax-efficient distribution strategy—explaining withdrawal schedules and Roth conversions in a way you will truly understand.
Social Security Optimization: A plan to confidently maximize your Social Security income.
Cash Flow Map: Easily visualize where your cash is coming from and going to each year.
Budgeting: One place to manage all your credit card and bank accounts, and track spending in various categories.
Student Loan Management: Tools to illustrate different scenarios to reduce payments.
Demystified Estate Planning: Replace your anxiety with peace of mind, knowing your assets are in order. Easily visualize the flow of assets at the end of life, including any estate tax ramifications.
Risk Tolerance Assessment: Understand how your risk score relates to your investment strategies and probability of success.
Account Aggregation: Simplify your finances by bringing together your bank accounts, credit cards, and externally held investment accounts into one place.
Asset Management:
Establishing a Strategic Asset Allocation:
Research, Capital Markets Expectation, Security Selection:
Implementation: Applying strategies consistently across all accounts.
Rebalancing: Adjusting the portfolio as necessary to maintain the desired allocation.
Employee Sponsored Plan Trade Execution: Executing trades in your company plan through face-to-face or screen share meetings.
Income Planning:
Monthly Income: Funds automatically transferred into your accounts every month.
Distribution Hierarchy: Determining which accounts to use and in what order, based on tax implications.
Providing Income: Buy and sell decisions to generate income and Required Minimum Distributions (RMD’s). Transfer funds to spending accounts according to your preferences.
Tax Sensitive Management:
Asset Location: Applying strategies in specific accounts to optimize tax savings.
Conducting tax loss harvesting throughout the year.
Roth Conversions up to Specified Tax Bracket.
- Choosing the proper securities for conversion.
- Executing all trades and ensuring proper allocation after conversion.
Personal Services and Advice
Collaborating directly with tax professionals and attorneys as needed.
Provide all tax documents in one envelope or email.
Conduct cost basis research and data collection on any legacy holding.
Family Finacial Services
Mortgage: Providing advice on mortgage-related decisions.
Payoff vs. Invest: Helping decide between paying off debt or investing.
Refinance: Offering guidance on refinancing options.
Fixed vs. Variable: Advising on fixed versus variable rate decisions.
Aid children or grandchildren under 30 and with assets under $200k at no cost.
- Providing education on saving, budgeting, and investing.
- Personalized help with 401k deferral and investment decisions.
- Advice and management for IRAs, Roth IRAs, and rollovers.
- Guidance on handling gifts.
- Assist with student loan payoff strategies.
Provide support for estate or probate issues and questions (non-legal).
Serve as a resource for all financial matters or questions.