Financial Planning

Coordinating the sub-disciplines of personal finance to achieve the financial and life goals you chose.

  • Retirement planning
  • Investment planning
  • Estate planning
  • Tax planning
  • Insurance planning

Download our wealth management process brochure »

Retirement Planning

Arranging sustainable and tax efficient income to support the lifestyle you chose.

  • Sustainable withdrawal calculation
  • Earliest retirement date calculation
  • Maximum retirement lifestyle calculation
  • Tax efficient withdrawal strategies

Investment Management

Arranging your investments to achieve the level of portfolio growth and risk you chose.

  • Investor temperament determination – what is your level of comfort with uncertainty?
  • Asset allocation recommendation – appropriate mix of stocks, bonds, cash and alternative investments for your investing temperament
  • Portfolio rebalancing – to manage cash flow and reduce risk
  • Tax-efficient investing – to reduce the impact of taxes
  • Investment income needs – to generate sufficient income to maintain your lifestyle.

Getting you organized

We believe that the first and most important step toward financial independence is organizing your financial life so that you know where everything is and what it’s worth.

To that end, we will create and maintain for you a place where you can see everything you own, a private and secure location where your data is consolidated into one clear picture of you. Your personal financial website makes getting organized simple. It’s easy to connect with everything and everyone that’s important to you.

Each day your balance is recalculated to keep you up to date as your account values change. All your data is available to you anytime, on any device. We use interactive technology to help you visualize what-if scenarios, so that you can view the potential impact of your decisions, not just today but throughout your entire lifetime.

Your website has a digital vault where you can securely store important personal documents, such as your financial plan, your trust, your will and your tax returns, plus family photos and videos if you like. We give you the tools to connect with everything you own, so you know where everything is and what it’s worth.

No matter where you are, or what you do, those who know what they have fare better than those who don’t. If you want to know, we can show you how.

It takes as much energy to wish as it does to plan.— Eleanor Roosevelt