We Get To Know Families Not Just Their Finances
Planning the Finances Beyond Your Life and Legacy
At the beginning of the financial planning journey, most questions start with the same two words. “Can I…?” Can I travel? Can I pay for my children’s education? Can I take care of my family long term? Can I retire? These questions prove what we already know – that your money means more to you than simply growing wealth. It enables you to enjoy life the way you to and build a legacy that you’re proud of. Because of this, our unique process identifies the best ways to protect and maximize your assets, working to change each of your “can I’s” into “I can.”
Our goal as an independent fiduciary financial planner is to enable and support your financial success through objective advice and lifelong support, giving you the confidence and clarity, you need to confidently approach the future.
A Comprehensive Approach, Focused on
Education, Accountability and Flexibility
Our planning process starts with thoughtful discussions where we learn your unique goals, hopes and financial concerns. We thoroughly explain how and why various investments work, but wait to make any recommendations until we know we’re on the same page about how to achieve your goals. We also know that both individual circumstances and global conditions change. Your personal advisor constantly assesses your portfolio so that they can proactively help to guide you down the right path, based on your needs.
Our Bucket Strategy
The first question on everyone’s mind as they approach retirement is “how much money do I need to retire and maintain an active, fulfilling lifestyle?” However, we believe another question is just as, if not more, important – and that’s how you should structure your money in retirement.
Many retirees treat their nest egg as one lump sum of money to draw income from – but this can have major consequences.
For example:
You have a $5 million nest egg and you decide to draw 4% as your annual income stream to fund your ideal lifestyle.
However, after a year, a large, unexpected expenses requires an additional $500,000 to be withdrawn, bringing your nest egg’s relative value from $5 million to $4.5 million. Now, instead of receiving $200,000 as your annual income stream, you’re receiving $180,000, while inflation continues to increase the cost of living.
Our Bucket Strategy protects your money in retirement by dividing your nest egg into two buckets: the Income Bucket, from which you’ll draw regular income; and the Growth Bucket, which not only grows your wealth, but allows you to draw money for unexpected expenses, without requiring you to deplete your Income Bucket, which means you won’t have to reduce your income.
Proven Strategies,
a Personalized Plan
At some point, everyone will wonder how their finances are performing, or how far away a comfortable retirement is. We’re here to help you stop guessing, and instead provide you with clarity. We’ll help you define what a fulfilling retirement looks like and create a personalized plan to help you achieve it, giving you confidence in where you’re heading.
It’s More Than Just Investments –
It’s How You Use Them
A single investment doesn’t define the success of a portfolio – the unique way we build and package them together does. From your advisor, you’ll learn fundamental investment concepts, removing the mystery from investing. Knowing the “what” and “why” behind our recommendations will give you peace of mind that we’re guiding you, and your assets, in the right direction.
Driving Excellence
Through Trust
We trust that every single member of our team will care for each client as their own. You’ll have a single, personal advisor, but they aren’t working alone. Guided by an internal investment team with more than 100 years of experience, advisors are encouraged to bring in others for additional ideas or support whenever it’s needed.