Retirement Projections & Investment Review
Spring meetings provide a comprehensive look at your progress toward long-term goals and ensure your investment strategy remains aligned with those objectives.
- Updating your retirement projections and financial plan
- Reviewing the foundations of your financial planning (cash reserves, savings rate, debt)
- Education on our investment philosophy and reviewing your portfolio
Preparation & Data Collection
This is a critical behind-the-scenes planning period:
- We collect and review your tax returns
- Request updated insurance policies and estate documents
- Analyze any changes in your financial situation
- Prepare for fall planning meetings
Tax Planning & Alternate Year Focus Areas
In the fall, we concentrate on year-end tax planning and alternate between two key focus areas:
- Beneficiary designations
- Estate flow analysis
- Document updates
- Life insurance needs analysis
- Disability coverage review
- Property & casualty review
Implementation & Tax Preparation
This season allows us to close out the current year effectively while preparing for the next cycle of proactive planning. The winter season is dedicated to:
- Implementing year-end tax strategies
- Preparing annual tax letters for clients and their tax preparers
- Setting up the next year's planning calendar
Spring
Retirement Projections & Investment Review
Spring meetings provide a comprehensive look at your progress toward long-term goals and ensure your investment strategy remains aligned with those objectives.
- Updating your retirement projections and financial plan
- Reviewing the foundations of your financial planning (cash reserves, savings rate, debt)
- Education on our investment philosophy and reviewing your portfolio
Summer
Preparation & Data Collection
This is a critical behind-the-scenes planning period:
- We collect and review your tax returns
- Request updated insurance policies and estate documents
- Analyze any changes in your financial situation
- Prepare for fall planning meetings
Fall
Tax Planning & Alternate Year Focus Areas
In the fall, we concentrate on year-end tax planning and alternate between two key focus areas:
- Beneficiary designations
- Estate flow analysis
- Document updates
- Life insurance needs analysis
- Disability coverage review
- Property & casualty review
Winter
Implementation & Tax Preparation
This season allows us to close out the current year effectively while preparing for the next cycle of proactive planning. The winter season is dedicated to:
- Implementing year-end tax strategies
- Preparing annual tax letters for clients and their tax preparers
- Setting up the next year's planning calendar
TAX PLANNING
Tax planning is integrated into everything we do, not an afterthought. We take a multi-year strategic approach to minimize your tax burden over your lifetime.
What We Deliver:
- Proactive year-round tax planning
- Tax-efficient investment strategies and asset location
- Strategic Roth conversion planning
- Tax-loss harvesting opportunities
- Analysis of tax implications for major financial decisions
- Year-end tax projection and planning sessions
WITHDRAWAL STRATEGY
Transitioning from saving to spending requires a thoughtful, coordinated approach. Our withdrawal strategy service ensures you draw from your assets in the most tax-efficient way possible.
What We Deliver:
- Customized withdrawal plans across all account types
- Integration with Social Security, pensions, and other income sources
- Tax bracket management to minimize lifetime tax burden
- Required Minimum Distribution (RMD) planning
- Roth conversion strategies during optimal tax windows
- Coordination between investment strategy and income needs
RETIREMENT PLANNING
As you grow closer to retirement, your financial challenges evolve. Our systematic planning process gives you clarity so you can retire with confidence and make informed decisions that align with your long-term financial goals.
What We Deliver:
- Comprehensive retirement modeling using sophisticated planning tools
- Monte Carlo analysis to stress-test various retirement scenarios
- Social Security optimization strategies
- Pension analysis and election guidance
- Healthcare cost projections and Medicare planning
- "Retirement feasibility" analysis to determine when you can retire
CHARITABLE PLANNING
For clients passionate about making an impact, we develop strategies that align your giving with your values while maximizing tax efficiency.
What We Deliver:
- Donor-advised fund strategies and implementation
- Qualified charitable distributions from IRAs
- Appreciated securities donation planning Bunching strategies to maximize tax benefits
- Legacy giving through your estate plan
- Charitable remainder trusts and other advanced techniques
- Impact measurement and alignment with personal values
EVIDENCE-BASED INVESTING
Our investment philosophy is grounded in academic research, not market predictions or "hot tips." We believe successful investing is about discipline, diversification, and staying the course.
What We Deliver:
- Globally diversified, low-cost portfolios tailored to your risk tolerance
- Strategic asset allocation based on Nobel Prize-winning research
- Disciplined rebalancing to maintain optimal risk levels
- Focus on factors that drive returns (market, size, value, profitability)
- Tax-efficient implementation using ETFs and index funds
- Regular portfolio reviews and adjustment as your goals evolve
STOCK COMPENSATION
Corporate executives face unique challenges with complex compensation structures. We help you navigate these complexities and integrate them into your overall financial picture.
What We Deliver:
- Comprehensive analysis of stock options, RSUs, ESPPs, and deferred compensation
- Strategic exercise timing for tax efficiency
- Diversification strategies to manage concentrated positions
- 10b5-1 trading plans to manage trading windows and insider status
- Coordination with your company's benefits department
- Alternative Minimum Tax (AMT) planning for incentive stock options