Our Wealth Management Process

Do you find yourself asking questions like "What am I missing?" or "Am I on track?" or even "What's next?" You're tired of second guessing how to handle your money. That's where we come in. We don't simply make sure you're on track. Our team is here to make sure you stay on track and maximize every opportunity along the way. No matter what happens. This is why we say we design for life. With our wealth management process, we'll guide you through your career and retirement so that you can achieve your goals with confidence.

This happens through each phase of in-depth...

  • Phase 1: Organization - This brings clarity to your complexity.
  • Phase 2: Strategy - We apply relevant financial strategies to bring you confidence in the results.
  • Phase 3: Implementation - Management of your investments, tax, and executive compensation so you stay on track all year, every year.

Keep reading to learn what we do in each phase of our wealth management process, or jump to our pricing schedule.

We're a Good Fit for You if...

You're a High Net Worth Investor, usually with $1 Million in investable assets and $200-$300K in income.

You receive some form of executive compensation such as a pension, stock, or deferred compensation.

You want to delegate the oversight of your finances to a team of professionals.

Phase 1: Organization

One of the most powerful exercises you'll experience is the organization of your finances, without numbers. Within most families, one person usually handles the day-to-day details, while the other is aware of the big-picture, like investments or insurance. This organization brings everyone together so you can see and understand the structure of your finances.

What we cover in this phase:

  • Identify what values and goals are important to you.
  • Analyze your net worth and each document you've provided.
  • Ensure that often ignored pieces like estate planning, inheritance management, and beneficiaries are accurate and up-to-date.

Phase 2: Strategy

With your existing foundation now known, let's dig into the numbers. In this stage, we evaluate missing pieces, potential opportunities, and financial planning strategies that can benefit you. Let's see real scenarios that reflect what you want.

We'll prove the difference that small changes can make, amplified over the course of your life. And we'll provide you with confidence by viewing what a "worst-case" scenario may look like at the exact wrong time. This reassurance gives you the confidence to do things you never thought possible.

Here are some things we cover:

  • A thorough tax analysis which provides you with a year-to-date and additional side-by-side comparisons of strategies that benefit you, not just on paper, but in real life.
  • A complete review of the executive compensation you have. This benefit will quickly elevate the risks you face when your income, investments, retirement, and employee benefits all come from one company. We'll minimize the risks with proven strategies to give your plan the highest chance of success.
  • A detailed investment allocation review for tax and investment efficiency: this provides purpose to the money you save. We invest so your money is in the right place when you need it.
  • Below is a list of common topics we cover, although it's not an exhaustive list of planning opportunities.

Organization & Goals

  • Values & Goals Identification
  • Financial Blueprint to keep finances organized
  • Net Worth Review
  • Document Review
  • Goal Progress Review
  • Timeline of planning action items
  • Discuss Family Needs Between Generations
  • Family Financial Dependence

Financial Independence

  • Project your current financial actions into the future
  • Compare various financial outcomes
  • View financial planning strategies available
  • Conservative Assumptions for Confidence in Results
  • Regular reviews to get and stay on track to reach your goals

Cash Management

  • Emergency Fund & Cash Balances Analysis
  • Cash Savings Rate Analysis
  • Expense & Savings Analysis
  • Social Security Benefit Comparison
  • Pension Analysis
  • Home Buying or Moving Analysis
  • Financing versus Cash Payment Analysis

College Funding & Loans

  • Define Funding Goals
  • Expense and Funding Timeline
  • Funding Needs Analysis
  • Savings Account Type Review
  • Funding Order to pay for college expenses
  • Student loan payoff strategy
  • Student loan forgiveness research

Income Tax Planning

  • Prior tax return review
  • Current year Federal & State projection
  • Paycheck withholding analysis
  • End of year tax planning
  • Tax saving recommendations
  • Long range tax projection
  • Business tax planning

Executive Compensation

  • Company stock review (stock options, restricted stock, ESPP, stock owned in 401(k))
  • Deferred Compensation
  • Ownership or Management company stock benefits received
  • Liquidity Event Planning (IPO, Acquisition)
  • Business Owner Profit and Loss Discussion

Investment Portfolio Analysis

  • Recommended Asset Allocation
  • Compare current allocation to recommended
  • Investment diversification analysis
  • Asset Location Review
  • Account Consolidation
  • Investment Monitoring & Rebalancing
  • 401(k) Election Monitoring & Rebalancing

Employee Benefit Analysis

  • Open Enrollment Review of Benefits
  • Health Insurance Plan Comparison
  • New Benefits Available Analysis
  • Job Negotiations & Compensation Package Analysis
  • Career Opportunities Discussion
  • Review professionals such as attorneys in your legal plan

Insurance Review

  • Current versus recommended Insurance Needs Analysis for:
  • Life
  • Disability
  • Health
  • Property & Casualty (Home, Auto, Umbrella)
  • Long Term Care
  • Annuity
  • Policy Deductible and Premium Review
  • Referral to Professionals as needed

Estate Planning Analysis

  • Review of existing douments
  • Beneficiary designations
  • Recommend documents needed
  • Estate tax analysis
  • Equalization of estate between spouses
  • Gifting strategies for estate tax minimization
  • Lifetime gift analysis to individuals or organizations

Phase 3: Implementation


It's not enough just to know your situation today. You need to be prepared to implement changes quickly, if needed. When a job change or unexpected life event happens, there isn't always time to learn what you need to do before you have to act. Even stock options or employee benefits can expire before you're ready.

You've probably heard the phrase "good intentions never got anything done." To achieve something different you've got to do something different. With our regular status updates, you gain back your time and freedom, while trusting that your plan is in process, and more importantly, on track.

We take action with our team's key areas of expertise, so you leverage our strengths to accomplish your goals.

This may look like:

  • Joining you on a phone call when it's needed so you aren't alone with questions you don't know how to answer.
  • Regular reviews that are convenient for you, in-person or online, so you stay up-to-date with your progress and know you have our attention.
  • Digital access to log in at your convenience.
  • Access to our network of professionals when it matters most.

Life rarely follows a schedule. We're here for you now and when the unexpected happens.

This is what it means to be designed for life. We want to bring this same confidence to you!

Ready to take the next step?

Schedule a quick call with our financial advisors.