Our goal is to help individuals make money and preserve their assets without taking excessive risk. We listen, then we lead using a proven 5-Step Wealth Optimization Process for helping people accumulate and distribute wealth.
Each client’s situation is unique, we take the time to get to know you, your family, your lifestyle and your career goals. Once the map has been drawn we can create a strategy to help get you there and help keep you there. Your financial success is the reason we are here.
Client Engagement Process
Discovery
Discuss current plan and goals.
Identify risk tolerance and personal issues.
Review how we manage wealth.
Build a Strategy
Review all 5 Financial Planning areas for weaknesses.
Assets vs. liabilities.
Decide if a fit exists, schedule next meeting.
Implement Plan
Review plan and address questions.
Discuss strategy.
Consider Model Portfolios, removing liabilities, executing a number of tasks.
Update Completed Strategy
Provide account information for custodians or insurance company.
Provide copy of all files organized.
Review Progress
Review accounts on a regular basis.
May be more often than annual, based on client and strategy.
Aligning Risks with Solutions
Annuities
Longevity Risk
Essential Inflation
Market Downside
Protect Behavior
Reliability of Inc. Seq. of Returns
Cash/Bonds/Alt.
Short-Term Risk
Moderate Upside Balance
Tax Free Inc. (Roth)
Liquidity
Tax Managed
Equities
Manage Hyper- Infl.
Market Upside
Tax-Harvesting
Long-Term Risk
Deflation Risk
Tax Free Growth & Legacy (Roth)
Insurance
Long Term Care
Life Ins. – DB
Tax Free Inc. (Life CV)
Disability Ins.
Liability Ins.
Health Ins.
Securities and Advisory Services offered through Cadaret, Grant & Co., Inc., a Registered Investment Advisor and Member FINRA/SIPC. Additional Advisory Services offered through
Institutional Investment Advisors Corp., an independent Registered Investment Advisor. Institutional Investment Advisors Corp. and Cadaret, Grant & Co., Inc. are separate entities.