Wealth Management Services

You want to assess your ability to achieve your goals in the future given your current savings, income, and potential future windfalls. We can help you test your readiness to achieve your goals and recommend strategies to improve your likelihood of achieving your goals.

It can be difficult to assess the level of volatility to which you are exposed in your portfolio. We help to assess your desired “speed limit” (a measure of balance between volatility and return profile) for your investments and any adjustments which may be needed to help you achieve that comfortable “speed” for your investment strategy.

You want to make sure that your investments are earning the rate of return you need to achieve your goals without subjecting yourself to unnecessary volatility. Using your risk assessment and financial plan, we build a well-diversified portfolio consisting of individual securities (as appropriate) and ETFs which will be designed to balance your risk against the return needed to reach your objectives. Our allocations are U.S.-biased and steer clear of countries like China, which presents considerable political risk.

Not only do you want to have your investments well diversified, but you also want to reduce the taxes generated from investment assets. We can help by investing your accounts with the best tax treatment in mind. For example, this may entail locating your most growth-oriented assets in your Roth IRA and municipal bonds in your taxable accounts, all while keeping the desired risk profile across all accounts in coordination.

Do you have a pension, restricted stock awards, a SERP, an HRA, multiple retirement plans, deferred compensation programs or other complicated employee benefits? We can help you navigate the maze, whether you are an oil & gas executive with a pension, RSUs, and a SERP, or a pilot with a 401(k), ESPP, pension, and various deferred compensation plans, we have experience helping professionals like you.

Are you navigating budgeting with a high income for the first time? Perhaps you were an associate attorney who just experienced a promotion to “Of Counsel,” seeing your annual income rise from $250,000 to $350,000 – we can help you navigate safe adjustments to lifestyle spending and charitable giving, balancing those objectives against your tax-efficient savings objectives.

Alternatively, if you are a recent retiree, you may be confused about from which accounts to draw to support your objectives - we help you develop a strategy to draw from your accounts as tax efficiently as feasible.

Have you updated your will or revocable trust recently? We help you think about your “why” behind your legacy plan so that you are prepared to discuss the “what” of making the plan work alongside of your estate planning attorney (we are also connected to attorneys and can refer you to one, walking alongside of you throughout the discussions with them). Additionally, it can be intimidating to retitle all of your accounts, so we work with you through that process after documents are drafted and executed.

Do you have a pre-tax account “problem”? Maybe you have been diligently saving in your 401(k) for years now and have several million dollars in pre-tax assets. You are now staring down required minimum distributions which will push you into high tax brackets, particularly if the Tax Cuts and Jobs Act rates sunset after 2025. We can help you assess prudent Roth Conversions in coordination with your CPA to reduce your lifetime tax burden.

Do you have charitable goals in mind? We can help you achieve those goals with attractive tax treatment without disrupting your investment strategy. For example, perhaps you have some appreciated stock which you could give to a Donor Advised Fund at the same time as an unusually large annual bonus. Or perhaps you are over the age of 70.5 and would benefit from making Qualified Charitable Distributions (QCDs) from an IRA to offset your Required Minimum Distributions.

How much personal umbrella liability insurance should you have? Do you have life insurance? Should you? We deliberately choose not to sell insurance to avoid conflicts of interest, but we help you assess your coverages and recommend updates as appropriate given your broader financial plan and assets.

Are you concerned that the charities to which you plan to leave funds will use them well? Are you concerned about your children or siblings receiving your wealth without wisdom? In a forum which is comfortable for you, we help you educate the next generations and charities regarding your plans for your resources after death. Oftentimes, it is important to begin educating the next generations years in advance so they can be good stewards of the resources.

Few things are more stressful than all of the paperwork required after the death of a spouse or a parent. We help you work through the maze of documentation required after the death of a loved one so that you can focus on celebrating the life of your loved one with minimal administrative burdens in the process.

Are you an individual trustee navigating the challenges of serving as a trustee of a revocable or irrevocable trust? We help ease the burden for you, coordinating with attorneys and CPAs alongside you, and preparing accountings for you so you can fulfill your obligations to the beneficiaries.