Individuals & Families
It's always good to be thinking ahead
Wealth management and insurance planning services for high net worth individuals & families
We can help you set goals, reach milestones, grow your wealth, and address changes to your life and finances over time. We’ll give you the road maps, tools, and resources needed to meet your ever-evolving personal, professional, and multi generational objectives. Take advantage of our small company responsiveness and unrivaled cross-firm expertise. Learn more below, start speaking with an advisor today.
Private Wealth Management
Where are you in your life? Whatever the situation or stage, we’ll help you grow, protect, enjoy, and pass on more of your money. Our wealth management umbrella includes the following fee-based services.
Investment Advisory
No two situations are the same. Our financial advisors craft investment solutions, including tax-sensitive and sustainable strategies, that are custom tailored to meet your specific financial objectives. Our proprietary screening and research lead to our open architecture universe of best-in-class asset managers. We’re 100% independent and are not pressured to use particular products or managers — a distinct advantage over large firms.
- Global asset allocation analysis and strategies
- Sustainable and values-aligned investment strategies
- Tailored investment portfolio designs
- An open architecture with more choices
- Online account aggregation and planning via WealthDirect
- Asset manager performance reviews
- Quarterly & annual strategy review with your advisor
- Portfolio performance measured against objectives
- Access to equity and fixed income research
- Fee transparency
- Collaboration with any outside professionals, such as your attorney or CPA
- Plus more +
Maximize your rewards.
Contact an advisor
Financial Planning
Sound planning may help you relieve some of the anxiety associated with a financial future that is either uncertain or yet to be defined. Our experienced financial planners listen to your goals and objectives, and dynamically coach, counsel, and guide you through your financial life based on what matters most to you.
- Increased confidence in your financial future
- Measure current asset allocation against your objectives
- Risk management assessments, including life, disability, and LTC insurance planning
- Financial projections of estimated income, taxes, expenses, net worth, and estate taxes
- “Scrubbing” of will and trust documents, insurance policies, and tax returns
- Customized recommendations for financial planning, investments, insurance and will and trust planning
- Periodic plan reviews with your CFP™ or ChFC
- Collaboration with other professionals, such as your attorney or CPA, as appropriate
- Plus more +
Be proactive
Talk to a financial planner
Retirement Planning
Preparing for life after your working career ends can be very daunting and stressful. Whether you are already retired or planning to retire, a common — and stress ridden — question is, will I (we) have enough resources to continue my (our) lifestyle and not run out of money? We’ll help you answer and plan for this.
- Help formulating reasonable retirement income goals based on your lifestyle, expenses and income sources
- Review of your current financial situation including assets, liabilities, and income
- Help understanding & developing a set of reasonable model assumptions based on your risk tolerance and other metrics
- Detailed projection of pre-retirement cash flow (income, expenses, taxes) & net worth
- Projection of your retirement cash flow (income, expenses, taxes) and assets under multiple sets of assumptions
- Review of other aspects of risk that can affect retirement (long term care, death, medical)
- Review of your current estate documents
- Review of tax efficiency in your portfolio and asset deployment
- Review of insurance
- Estate planning and distribution planning thoughts and design
- Plus more +
Retire right
Talk to us about your plan
Estate & Wealth Transfer Planning
- Multi-generational estate distribution planning and design
- Life insurance planning to preserve assets
- Business continuity plan integration with your estate plan
- Will and trust planning thoughts
- Document reviews: existing will and trusts
- Document reviews: income tax returns
- Document reviews: life insurance policies
- Project your income, estate, and inheritance taxes due at death
- Develop estate and inheritance tax reduction opportunities and strategies
- Philanthropic fulfillment planning
- Explore charitable giving opportunities to benefit your, your heirs, and charities
- Collaboration with any outside professionals, such as your attorney or CPA
- Plus more +
How will you be remembered?
Talk to our estate planning team
Interested in Sustainable Investing?
Investing for a return and investing for good are no longer mutually exclusive. Align your investment strategies with your value system.
Insurance Planning
Personal insurance is a tool to help manage risks that can curtail dreams and compromise the best of financial plans. Let us show you how you can transfer substantial financial risk to insurance companies for just pennies on the dollar. Additionally, in some cases, insurance can grow wealth and further diversify your investment portfolio. We are independent and find the products and carriers best suited for your needs.
Life Insurance Planning
For wealth preservation purposes, life insurance is a tool that enhances the benefits of many estate tax reduction and charitable strategies. It can provide income and estate tax free money to facilitate the payment of estate and inheritance taxes. It can also create a “family bank” to perpetuate wealth for future generations without the potentially debilitating effects of inherited wealth.
For younger families, life insurance is like owning a slice of time. It delivers the present value of earnings lost if you run out of time. Tax free dollars that can keep your family in their home, educate your children, in short do what you would have done. Often not appreciated is that your life insurance policy may provide lifetime benefits that can further diversify your investment portfolio, provide for college expenses, and offer years of tax-free retirement income.
- Explore your vision of what you would like your assets, large or small, to provide for your family
- Review existing wills and trusts
- Project future estate tax obligations to determine estate liquidity needs
- Review existing life insurance policies
- Analyze your life insurance needs, being mindful your objectives and other assets and income sources available for your family and estate
- Collaborate with other professionals, such as your attorney or CPA, as appropriate
Placement Services
- Explain the complexities of today’s life insurance policies
- Survey the rapidly changing marketplace to find right product currently available, from highly rated carriers
- Analyze the cost and benefits of different types of insurance products
- Recommend the most suitable ownership, beneficiary, and premium payment strategies
- Work with underwriters to secure the best possible rating for you
Leave more than your legacy
Speak to a life insurance broker.
Disability Insurance Planning
- Analyze income sources that will be available to you and your family if your income is lost
- Analyze the impact of a long-term disability on future cash flow and asset accumulation
- Integrate employer and possible Social Security disability benefits into the plan
- Placement Services
- Explain the complexities and options available in today’s disability insurance policies
- Survey the rapidly changing marketplace to find right product currently available, from highly rated carriers
- Analyze the cost and benefits of different types of insurance products
- Work with underwriters to secure the best possible rating for you
Protect your pay
Speak to a disability insurance broker
Long-Term Care Insurance Planning
Aging is expensive. Fortunately, we are experts in eldercare issues and know how to design LTC insurance plans that shelter you and your loved ones from the skyrocketing costs of nursing facilities or at-home care solutions. In addition to the cost of long-term care, the greatest impact may be the emotional, physical and fiscal burden placed on family care givers, when insurance is not available.
- Explore your concerns regarding long term care
- Measure the potential costs of long term care against your current assets
- Calculate the potential asset loss from possible LTC expenses
- Work with you to find the right cost/benefit strategy for you
- Placement services
- Explain the complexities and options available in today’s LTC insurance policies (including LTC/Insurance and annuity hybrid policies)
- Survey the rapidly changing marketplace to find right product currently available, from highly rated carriers
- Analyze the cost and benefits of different types of insurance products
- Work with underwriters to secure the best possible rating for you
Guard your health, wealth, and future
Speak to an LTC insurance broker
Want to know more?
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The one measure of investment performance that truly matters is, did your portfolio meet your planning objectives?
— Chuck Baldwin, Principal & Co-founder
