Our roadmap to freedom Process

Effective wealth management is based on a continuous process that lasts a lifetime. When you go at it alone, you’ll never know what is truly possible for you and your family.  We are committed to showing you more than you thought was possible and we will hold you accountable to make sure you achieve it. The Advanced Planning Plan is designed to provide a roadmap to freedom with specific steps to help enhance, transfer, and protect wealth. This personalized roadmap assists with the many financial decisions that come with changes and transitions over a lifetime, listed below or by clicking here.

Wealth Enhancement

  • Portfolio & Investment Management

  • ESG Investing

  • Financial Planning

  • Transition Planning

  • Retirement Planning

  • College Planning

  • Tax Planning

  • Retirement Plan Set & Administration

  • Non-Liquid Asset Management

  • Job changes (new job, job loss)

  • Major purchases (home, car, business)

Wealth Protection

  • Quantify Exposure to Risks

  • Asset Protection

  • Risk Management

    • Life Insurance

    • Health Care Review

    • Long Term Care

    • Disability Insurance Review

    • Auto/Home Owners Insurance Review

    • Umbrella Liability Insurance Review

Wealth Transfer

  • Estate Planning

  • Trust Management

  • Legacy Building

  • Beneficiary & Executor Review

  • Real Estate Advice

  • Business Succession Planning

  • Estate Settlement Advice (for after death)

  • Receiving an inheritance

  • Retirement

  • Tax law changes

  • Estate planning

Charitable Planning

  • Discuss and Explore Long-Term Charitable Wishes

  • Philanthropic Planning

Team of Experts Referrals

  • Estate Planning Attorney

  • Certified Public Accountant

  • Life Insurance Consultant

  • Property & Casualty Insurance Consultant

Our team works in concert with each client’s professional team—accountants, attorneys, insurance agents, etc.—to develop a customized Advanced Planning Plan that serves as the roadmap for addressing each of these challenges. Each plan includes four key areas of focus:

  1. Wealth enhancement aims to produce the best possible investment returns while considering particular risk tolerance tax mitigation strategies. We use a consultative process to identify each client’s current financial situation and challenges, and then work with a team of experts to design solutions to help achieve critical goals.

  2. Wealth transfer focuses on identifying and facilitating the most tax-efficient way to pass assets to succeeding generations, and to do so in a way that meets the wishes of the client. Working together with the client and the client’s attorney, we complete the necessary paperwork to update accounts to reflect estate planning wishes, including beneficiary updates, trust accounts, and account titles. Ensuring accuracy with these details helps ensure wealth is transferred effectively to provide for the client’s family and other beneficiaries according to his or her wishes.

  3. Wealth protection is aimed at protecting assets against potential creditors or litigants, as well as protecting against catastrophic loss through the effective application of life, disability, umbrella, and other insurance products.

  4. Charitable gifting helps fulfill charitable goals and can often support efforts in other areas of the Advanced Planning Plan. In coordination with each client’s attorney, we can change beneficiaries as needed, set up donor advised funds, or assist in any other areas as needed.