The 5 Facets of Financial Clarity
Wealth management starts with understanding the 5 facets of financial clarity. Individually, each facet represents a key element of your financial planning. Together, they create clarity and success.
Discovery
We go deep to understand what’s important to you. Really deep. We get to know your personal story, financial positions, risk tolerance, expected future events, and more. Investing time to know you is the only way to build plans designed around your goals, concerns, and aspirations.
Investments
Wealth grows over time through globally-diversified portfolios that include a blend of stocks, bonds and other assets. We emphasize tax-efficient and low-cost funds, staying invested through market fluctuations knowing you have a strategic plan in place, and rebalancing portfolios as personal needs and market conditions change.
Financial Plan
Strategic financial plans ensure you can sleep well at night knowing the things you care about are secure. Based on our Discovery sessions, we create tailored financial plans to optimize everyday living and plan for your future. More than a high-level document, your plan evolves as you navigate life’s moments – both big and small.
Risk Management
Risk management strategies help you protect your assets, mitigate losses caused by unexpected events, and provide stability and security. It balances risk with reward to help achieve financial goals.
Estate Planning
Estate planning ensures your wishes are followed if you become incapacitated or reach the end of your life. It’s how you protect your legacy, minimize taxes, care for loved ones, and secure peace of mind. We help you think through key considerations including wills, trusts, powers of attorney, and beneficiary designations.
Planning for the Day-to-Day
The 5 facets provide the framework for approaching specific financial needs. We’re here to guide you, answer your questions, and help bring clarity to every step you take toward your goals.
Bringing It All Into Focus
Retirement
Planning
Planning
Retirement Planning
Pre- and post-tax contributions
Strategic income replacement
Ensure you have enough
Education
Planning
Planning
Education Planning
Effective funding strategies
529 plans
Tax
Optimization
Optimization
Tax Optimization
Tax efficient portfolios
Asset location
Tax loss harvesting
Stock Compensation
Strategies
Strategies
Stock Compensation Strategies
RSU, ESPP, ISO, NQSO
Manage concentration risk
Selling strategy
Employee Benefit
Maximization
Maximization
Employee Benefit Maximization
Audit full benefit package
Leverage mega backdoor Roths
Triple tax-advantaged accounts
Concentrated Stock
Positions
Positions
Concentrated Stock Positions
Assess and manage risk
Unwind positions strategically
Home
Purchase
Purchase
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Home Purchase
Affordability strategies
Finance option review
Title recommendation
Charitable
Giving
Giving
Charitable Giving
Maximize contributions
Minimize taxes
Roth
Conversions
Conversions
Roth Conversions
Create tax-free growth
Eliminate restrictions
Optimize inheritance for heirs
Social Security
& Medicare
& Medicare
Social Security & Medicare
Claiming strategies
Understanding benefits
Avoiding IRMAA charges
Long Term Care
Needs
Needs
Long Term Care Needs
Funding options
Traditional, hybrid and self-Insurance reviews
Professional
Referrals
Referrals
Professional Referrals
Deep network of CPAs, attorneys and insurance experts
Coordinate with your team
