Financial Planning
- 401(k)/403(b) elections and investment selection
- Budgeting/cashflow management
- Charitable giving
- Education funding
- Open Enrollment elections
- Estate planning
- Insurance analysis (no product placement)
- Medicare planning
- Plan stress testing
- Retirement income/distribution planning
- Retirement funding
- Social Security claiming strategies
- Special Needs planning
Tax Prep / Tax Planning
- After-tax return optimization Backdoor Roths Charitable giving strategies
- Coordination with CPA and/or tax attorneys
- Donor advised funds
- Estate tax planning
- Gifting strategies
- Medicare (IRMAA) threshold management
- NQDC/457 elections & planning
- RMD planning
- Strategic Roth Conversions
- Tax bracket management
- Tax return reviews
- Year-end capital gain distribution planning
Investment Management
- Asset allocation
- Asset location/tax optimization
- Concentrated position hedging
- Options strategies for protection and/or income
- Rebalancing
- Tax Loss Harvesting
Estate Planning
- Intergenerational planning
- Wills trust and estate implementation and education
- Estate planning
- Tax minimization
Equity Compensation Planning
- Award type elections
- Blackout/trading restriction compliance
- Divesting/exit strategies
- Downside protection via publicly-traded options
- Managing/understanding your equity comp plans
- NUA elections
- Tax-free stock swaps
- Tax-mitigation strategies
- Wash Sale avoidance
- Withholding elections
Qualified Plan Management
- 3(38) fiduciary services
- Coordination with TPA/Custodian
- Financial planning services (for participants)
- DIY financial planning & budgeting software
- Educational webinars/seminars (for participants)
- Fee-based plans (i.e. no revenue-sharing)
- Low-cost index funds, ETFs, and mutual funds
- Plan benchmarking and analysis
- Plan design and setup
- Professionally managed portfolios (for participants)
- Risk-mitigation (for employer/plan sponsor)
The Ascent
The concept of climbing a mountain can be exciting yet intimidating at the same time. There’s a rewarding view at the top, but you’re worried about the whole process and the climb itself. How do you prepare for the journey ahead? Which path up the mountain is best for you?
Your financial journey to retirement is equally rewarding and perilous. How do you know if you’re saving enough for your family’s future? How do you efficiently tackle debt or pay for your child’s education? When will you reach the summit and retire?
Our Financial Guides will help you prepare for the unknown by creating a personalized financial plan that addresses your family’s needs and goals. We will equip you with the knowledge and tools to take control of your financial future. Our Financial Guides will give you the peace of mind needed to enjoy the journey a head.
Traversing Retirement
Reaching the mountain summit may sound like the most daunting part of your journey, but the real challenge lies in getting back down safely. The majority of missteps and accidents occur on the climb down the mountain. You’ve worked tirelessly to reach the summit and retire, but your next steps are the most important.
What do you do now that you don’t have a paycheck? How do you make sure that you don’t run out of money? How will you navigate the next market crash? These are all important questions one faces once he/she retires.
All of your hard work has led to this moment. You’ve retired and your only priority should be to enjoy it. A skilled Financial Guide can help you coordinate your spending, investment & tax strategies to maximize the fun and minimize the stress of retirement.
