A Total Wealth Management Process
An intentional, proactive approach to keep you in alignment with what is most important to you.
Annual Planning Rhythm
Financial Planning is a process, not an event. We proactively review a specific part of your financial life each quarter. This agile planning approach keeps you focused on making consistent and timely financial decisions, rather than being tied to a rigid, static financial plan. You can be confident that your plan is efficient, adaptable, and aligned with your goals and values.
At the beginning of the year, we revisit your values, goals and cash flow model to inform your current and upcoming decisions. This gives us a course of action for the coming year, as we anticipate the decisions you will need to make in the year ahead, while staying adaptable for the inevitable changes that come along the way. We leave this meeting with clear direction and an efficient financial model that is focused on your personal goals, giving you confidence in the direction of your financial life.
In the 2nd Quarter, we perform an in-depth analysis of your investments and net worth. We first review the progress you have made growing your net worth over time. We then assess the health of your investments (investment accounts, private investments, real estate, business interests) and monitor your current debt and liquidity structure. This in-depth analysis provides insights on how your wealth is optimized in relation to your goals and informs if any adjustments are necessary.
Risk Management is our focus in the 3rd Quarter. We review your legal documents and model your distribution plan to make sure it is aligned and efficient. We also benchmark your insurance portfolio against your calculated needs and monitor the health of any policies you currently own to protect you and your family in case of an emergency. This review gives you the confidence that you have a plan that is ready for whatever may come your way.
In the 4th Quarter we focus on end of year cash flow decisions, as well as, giving and tax planning. We review your giving goals for the year to maximize your impact on the people and charities you care about. In collaboration with your accountant, we then look at your tax projections for the year and find ways to make your long-term tax plan as efficient as possible, while also employing specific strategies for the current year. This analysis ensures that you are not missing out on any planning opportunities before the calendar turns to a new year.
Investment Management
Sound investing principles are simple to understand but difficult to execute consistently. Through our internal Investment Review Committee, we adhere to a systematic, disciplined, repeatable investing philosophy rooted in academic literature.
By leveraging various investment partners and a robust technology platform, we can execute an efficient strategy that minimizes the guesswork to which many investors fall victim, allowing us to focus on what is most important to you as we work together towards your financial goals.
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