Our Approach

Our Process

To give purpose and vision to your wealth strategy, it's important for us to understand your goals and assets. We utilize a Confidential Investment Profile Questionnaire to better understand your financial background and get a good picture of the hard work you've already accomplished. Next, we learn about your goals and desires, and together we create an action plan for a secure financial future. We develop a personalized Advanced Time Segmentation Strategy™ and cover the 13 essential Wealth Management Principles to complete your strategy.

Advanced Time Segmentation®

(ATS) Incorporates a segmented strategy that matches unique retirement income needs with time-segmented investments. This approach segments retirement assets into three categories. In the illustration below, the categories are based on the period of time in retirement when the assets are expected to generate income.

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Wealth Management Principles

The concept of wealth management encompasses various aspects of financial planning and investment strategies to help individuals and families preserve and grow their wealth. While there is no fixed or universally agreed-upon list of exactly 13 areas of wealth management, I can provide you with a general overview of key components typically considered in wealth management. Here are 13 areas that are often covered:

1. Financial Planning: Creating a comprehensive plan that outlines financial goals, budgeting, tax planning, estate planning, and risk management.

2. Investment Management: Developing and implementing investment strategies tailored to meet specific financial objectives while considering risk tolerance.

3. Asset Allocation: Determining the appropriate distribution of investments across different asset classes (stocks, bonds, real estate, etc.) based on risk and return expectations.

4. Portfolio Analysis: Analyzing existing investment portfolios to assess performance, risk exposure, and potential opportunities for improvement.

5. Retirement Planning: Assessing future income needs, determining retirement savings goals, and developing strategies to ensure a financially secure retirement.

6. Tax Planning: Minimizing tax liabilities by utilizing tax-efficient investment vehicles, deductions, and credits.

7. Estate Planning: Structuring assets to facilitate the transfer of wealth to beneficiaries while minimizing taxes and ensuring the wishes of the individual are met.

8. Risk Management: Identifying potential risks to wealth, such as market volatility, inflation, and unexpected events, and implementing strategies to mitigate those risks.

9. Insurance Planning: Evaluating insurance needs, including life insurance, health insurance, disability insurance, and long-term care insurance.

10. Education Planning: Planning for the costs of education for children or grandchildren, including savings vehicles like 529 plans.

11. Charitable Giving: Incorporating philanthropic goals into the overall wealth management plan through strategic giving and philanthropic vehicles.

12. Business Succession Planning: Developing strategies for the smooth transition of a business to the next generation or a new owner.

13. Wealth Preservation: Preserving wealth through strategies such as asset protection, liability management, and intergenerational wealth transfer.