We work with high net worth individuals and families in all stages of life and with varying concerns, challenges, and complexities. We combine a well-defined process – Wealth by Design – and a team of experts in order to address the important nuances of each client’s life stage and unique circumstances thoughtfully and systematically. A brief description of the more common situations and how we address them follows.
All clients have retirement planning needs. But, effective retirement planning requires much more than plugging numbers into software. Income security, health, taxes, longevity, family circumstances, insurance, downsizing, inheritance, charitable intent, etc…these are all important considerations. Whether you are 47 or 74, we understand this and have the process, expertise and tools to help our clients plan for retirement and sustain their desired quality of life long after their formal working years.
Sometimes when it rains, it pours. What starts as joy can become overwhelming. Without proper planning and care, seemingly large amounts of wealth can be consumed by taxes, professional fees, transaction costs, or poor decision-making. We see all types of wealth events and work closely with clients to optimize their new wealth, make smart tax-efficient decisions and recalibrate their lives so they can make the most of their new financial situation.
We take extraordinary care to enhance the level of service we provide for clients going through or coming out of divorce. This is especially true for spouses – particularly women – who have not taken active roles in their own finances previously. We have Chartered Divorce Financial AnalystsTM on staff and routinely partner with other specialists as needed to navigate this process successfully and get each client on a sustainable, self-sufficient path. Clients who come to us pre, during, or post divorce can count on intensive financial planning to evaluate all areas of their finances, as well as true collaboration with you and your other trusted advisers.
Death of a Spouse
We help clients through this very difficult emotional transition and have specialized resources through our Women’s Practice to help our clients who suffer tremendous loss. Our clients count on us to have affairs organized and in order before an unexpected loss, but we are also here to carry most of the financial pieces when you can’t. After a loss of a loved one, many financial decisions must be made - -and this is also the most challenging time to make sound financial choices. We are here to be relied upon when you need us the most.
Business or Career Change
The average person will have at least seven different employers with varying levels of income during his or her professional life, yet most planning software assumes current income plus inflation. Our process and tools let us model various business and career changes so you can better understand the tradeoffs and make more informed decisions.
Planning for children, planning your legacy for your children, or involving your children in financial education is all part of what our clients can count on from us. Your family is very important to us and we want to see them succeed too! We can help answer and guide decisions around education planning, legacy and estate planning, and even how to involve children in the financial process. In some instances, this might include one or more family events. Each stage of your life may take your children into consideration and we’re here to help you make smart choices for you and them along the way.
Many of our clients have a desire to make a difference in the world beyond their immediate families. We help our philanthropic-minded clients discover their true charitable capacity, while also preserving the legacy they want to leave to their heirs. We are highly specialized in helping our clients reach their philanthropic goals and ensure that they do so with the most tax-efficient strategies available.