Broker Check

Our Approach to Holistic Financial Planning

Our approach to holistic financial planning adds significant value through these 4 steps:

  1. First, we start by creating a financial plan based on your specific situation, needs and goals. This becomes the roadmap for how we’ll support you today and in the future. The plan takes all of your accounts into consideration, no matter where they are held. The plan will model estimated returns, inflation, income sources such as pension and social security as well as liabilities. It also estimates income needs throughout retirement and identifies potential insurance shortfalls. And it will illustrate the likelihood of progress in funding your goals.

  2. Then, we build the wealth accumulation and risk management strategies, structuring customized portfolios appropriate for your goals while aiming for expected returns for a given level of anticipated risk.

  3. Next, we identify the items we can help control, such as reducing expenses, minimizing taxes and risk through diversification. We are realistic in what we can and can’t control. We can’t predict the future, but we can help position you with your goals in mind.

  4. Finally, portfolios are built with tax minimization and estate planning strategies in mind. Our networked CPAs and third-party attorney can help you maximize efficiencies from a legacy planning perspective.
  • Tax-efficient wealth accumulation
  • Asset protection strategies
  • Philanthropic strategies
  • Optimizing asset allocation
  • Legacy planning for taxable estates

As you can see, our approach differs from professionals who may focus only on products or only on certain aspects of your finances. Instead, we take a holistic approach.

Think of us as a “concierge” for your financial needs.


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