Financial Planning

Invest Wisely. Retire Well.

Our best client relationships are built on effective communication and the implementation of our three-step process. Our proprietary, education-based financial planning process delivers recommendations tailored to you and your family to help ensure that your investments, tax, estate, insurance and tax planning are properly aligned as needed. 

Our advisors will work with you to assess your income needs, risk tolerance and retirement goals. Then, he or she can suggest the most tax-efficient strategies, guide you through your investment options, and create a plan to build and protect your wealth.

Financial Planning - investwiselyretirewell.com

Retirement security is one of the most critical issues Americans face today. Our financial planning process is centered on the ecology of your finances. We learn about our clients in great depth so that we can deliver personalized financial plans based on the interaction of our clients’ varied goals, their investing personalit(ies) and their financial needs.

Discuss Goals

Our financial planning process begins with an in-depth dialogue to identify A complete inventory of your assets and liabilities. A complete list of your financial inflows and outflows.

Long and short term goals, according to your priorities. We start each relationship with a discussion of your values, concerns, hopes, dreams and fears.

History of your relationship with and attitudes towards money. How your ideas about money and risk have developed in response to your experiences?

Evaluate Strategies 

We evaluate your current financial circumstances, and project them forward into the future. We analyze how your multiple goals interact under a wide variety of economic circumstances.

Based on this analysis, we recommend strategies for:
Cash Flow
Retirement Planning
Concentrated Stock
Education Planning
Estate Planning and Trusts
Insurance Coverage
Charitable Giving
Business Exit Planning
Liability Management
Long Term Care

Review Progress 

Our investment process is clear, understandable, repeatable and easily communicated for long-term success. We perform comprehensive quarterly performance reporting and we urge periodic in-person reviews. The reviews include overall return, asset allocation and risk management measures, reviews of specific money managers being used and any due-diligence updates. We also overlay the positioning of the current portfolio onto views of current and projected market and economic conditions. Tactical recommendations will be made when merited.

Client reviews can include assets “held away” from our client’s primary custodians, in context with their Financial Plan. Annually, we ask for updates of key planning inputs. We review current income, projected planning needs and life events, updated goals and timelines, tax exposure, and gifting and estate planning issues.

Investment Action Plan 

Our investment proposal starts with an asset allocation model tailored to your liquidity needs and risk tolerance. Since we cannot predict or control equity returns, interest rates, or global macroeconomic trends, we focus on those items we can control:

How much cash you maintain.
How much risk you take.
Which kinds of risk you take at any given time.

We will implement your financial plan with a diversified mix of investments for each of your accounts. Beginning with your customized asset allocation model, we also incorporate your tax situation, investment history, and psychological tolerance for risk.

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