Our Wealth Management Process

Through all of life’s ups and downs, our aim is to provide you with a solid financial foundation from which you can build wealth and have the freedom to enjoy the things you love to do. Every client relationship is held with complete confidentiality. We don’t just focus on investment performance. We create a consistent, professional rapport that is based on a clear understanding of your financial goals, personal values and deeply rooted concerns. These goals serve as the cornerstones for financial decisions as we move through the process of managing your wealth.

There are three key components to our process: Comprehensive Financial Planning, Asset Management, and Risk Management. Over time, we have learned that all three are necessary to create a strong, successful partnership in overseeing your overall wealth management.

blue-transitionComprehensive Financial Planning

Every recommendation starts with an assessment of your deepest goals and values, so you can expect that we’ll ask a lot of questions. We approach the financial planning process in two phases: wealth accumulation and wealth distribution. Through a review of your assets and liabilities, cash flow and tax situation, we identify planning opportunities that align with your overall financial goals and timelines. As you move through various phases of life, adjustments are made consistent with new planning opportunities and/or potential pitfalls relevant to these life changes.

green-transitionAsset Management and Investment Strategy

Diversification and measured asset allocation* form the foundation of asset management. Just as the work we do with you extends to all aspects your life, so does our asset management. We work closely with you step by step so you understand how each asset will work in pursuit of your financial goals. As expected, our process involves implementing a tailored investment strategy for those funds directly invested with us. Taxes and proper account registration are also important considerations in your overall asset management strategy.

red-transitionRisk Management

Risk management is often overlooked, yet it is an integral part of any comprehensive financial plan. Let’s be honest, discussions about death or the potential need for assisted care are important, but avoided all too often. We spend time with you asking the difficult questions surrounding financial concerns that arise from your personal values. While we work diligently to build and manage your wealth, it is equally important to create and implement a contingency plan. Within that plan, we utilize employer and/or organization benefits, an understanding of what Social Security benefits may provide, and a review of individual insurance solutions such as life, disability and long-term care. In the end, we want you to be confident that your asset management and tailored contingency plans are always contributing to your greater life goals.

*Using diversification and/or asset allocation as part of your investment strategy neither assures nor guarantees better performance and cannot protect against loss of principal due to changing market conditions.