CONSIDER EVERYTHING
The start of the year is the perfect time to prioritize both personal and financial well-being. While physical health often takes center stage in New Year’s resolutions, financial fitness deserves equal attention.
Financial markets have felt more fragile recently with investors concerned about the economy, the possibility that the Fed may be behind on cutting rates, and some disappointing tech earnings. Ironically, despite the market volatility last week, major indices were mostly unchanged from Monday to Friday. While they are down from their recent all-time highs,
Financial markets have felt more fragile recently with investors concerned about the economy, the possibility that the Fed may be behind on cutting rates, and some disappointing tech earnings. Ironically, despite the market volatility last week, major indices were mostly unchanged from Monday to Friday. While they are down from their recent all-time highs,
Financial markets have felt more fragile recently with investors concerned about the economy, the possibility that the Fed may be behind on cutting rates, and some disappointing tech earnings. Ironically, despite the market volatility last week, major indices were mostly unchanged from Monday to Friday. While they are down from their recent all-time highs,
Financial markets have felt more fragile recently with investors concerned about the economy, the possibility that the Fed may be behind on cutting rates, and some disappointing tech earnings. Ironically, despite the market volatility last week, major indices were mostly unchanged from Monday to Friday. While they are down from their recent all-time highs,
Shortfall Risk is the Greatest Risk to Retirement Success The greatest risk to retirement success? For most of us, it’s shortfall risk ‒ the chance that our savings will expire before we do. Shortfall risk typically arises from one or both of these shortcomings: (1) not taking the time and doing the work to study
Retirement Distribution Planning May Help Minimize Your Overall Tax Expenses If you’ve diligently saved and invested throughout your working years, congratulations! You’re on your way to funding a more comfortable retirement. But when you finally do stop working, you’ll face a new challenge: Making sure that your assets last as long as possible. One way
You May Not Believe It Until You Read It, But It’s True. The shocking truth about index investing is that reality can be very different from theory. Index investing funds are wildly popular with Americans: As of year-end 2021, “passive” equity and fixed income index funds managed total net assets of $5.7 trillion, according to
With the days of company pensions faded into memory, it’s up to most of us to build and manage our own pension plans ‒ and manage the multi-million dollar retirement planning question ourselves. How much do we need? And what are the possibilities that we suffer shortfall risk – the possibility that our savings will
The year was 1983: The U.S. invaded Grenada. A gallon of gas cost 96 cents. Michael Jackson’s “Thriller” video premiered. That year was also the last time that recipients of Social Security disability benefits saw a cost-of-living increase steeper than the one just announced for 2022. This year, benefits will rise 5.9 percent, the sharpest
We combine intellectual capital with critical thinking and detailed analyses across the 10 allied disciplines of wealth management to create whole-system thinking and integrated strategies that address your needs.
This is complex work with a multitude of variables that can produce opposite results. It’s a workspace in multiple dimensions. We are educated, trained and experienced for this work.
We manage the support systems and processes across
100 tailored personal wealth management workflows.
We prepare informative studies that help you see if your assets and investment strategies are on track to successfully support your dreams and desires and sustain you without an earned income for as many as 30 to 40 years in retirement.
As you approach retirement, we help you see beyond this hard-earned moment in time, spot hidden risks, map a path and contribute our experience and resources to help you reach your goals.
We help you understand your current level of risk exposures and help identify personalized solutions that seek to help protect the risk-exposed areas of your financial life.
We review how your assets are titled to maximize your protection in the event of a lawsuit or other claims.
We help coordinate your business and personal insurance with your employer-provided benefits to help avoid any gaps or overlaps in coverage and help integrate your insurance policies with your estate plan.
We help you budget and manage expenses to reduce debt, increase savings, improve your long-term investment compounding rate, and fund your important life goals.
We offer a responsive and operational framework to help you meet less predictable, hard-to-monitor short-term expenses while meeting ongoing financial commitments and tracking to your short-term, intermediate and long-term objectives.
Cash management is a key component of liquidity management. It includes the efficient management of your cash flow, investments and cash reserves in order to achieve your overall financial objectives.
As inflation remains high with high interest rates, we help you deploy your cash flow and cash positions to earn higher interest rates.
Liquidity and cash management also involve managing the risk of short-term financing and making sure cash is available when needed.
Tax-planning and strategy may offer opportunities to minimize and optimize your tax expenses. The time for tax planning and strategy development occurs at the beginning, not at the completion of an investment or tax year.
We provide guidance focused to your unique situation and help you exercise care to engage in tax planning that is flexible enough to help you respond to changing market conditions, tax law changes and unexpected outcomes.
What makes plans work is saving and capital growth. The playing field is arrayed with no shortage of obstacles that conspire to impair both saving and capital growth.
Whatever or whoever the conspirators are, capital growth is paramount. Forces outside and within your control must be well-managed.
We tailor and manage your investment operations to help reduce unforced errors and mistakes and compound your long-term, after-tax returns.
In each role, we contribute differently as you look to us with different needs at different times. Most often, we contribute simultaneously across all capacities in differing degrees.
As leaders, we provide motivation and direction. As counselors, we help remove barriers. As advisors, we provide technical advice. And as managers, we carry out process.
Taken together, we are always working to position you in places of greater potentials.
We help you recognize that planning for the retention and transfer of your wealth is far more than numbers on a balance sheet and minimizing estate transfer taxes.
Your wealth also comprises your family and its health, education, life’s experiences, knowledge, relationships, mental and physical fitness, values and spirituality.
We help you express the conscience and wishes for what you have and leave behind and the constitution of privileges and responsibilities to guide all concerned.
We help you explore the motivations and develop and articulate the benefits, framework, discipline and communication of contributions you wish to make to communities that extend beyond your family.
We help you discover, establish and affirm the values, beliefs, attitudes, preferences and priorities for your contributions to your chosen communities. Then we help you with the ongoing management and administration of your philanthropic assets and endeavors.
