Based on your personal goals and objectives, and supported
by information regarding your assets & liabilities, income
& expenses, and special needs, we work together to prepare
Next, we assist you to implement our recommendations, which
may include such things as
- Changing your 401(k) plan investments
- Adopting retirement plans or other tax-saving strategies
- Modifying/drafting a living trust, will, or other estate
- Guidance on the transition to retirement
- In helping you to implement recommendations, we work directly
with your accountant, attorney, or insurance agent as needed.
In addition to providing regular updates of your net worth
and tracking your progress toward retirement, we are available
o answer other financial questions that come up (examples
include: refinancing mortgages, college funding, reasonable
spending withdrawal rates in retirement, and identifying
specific tax lots to sell for tax planning transactions).
We also work with you to build an appropriate investment portfolio
for all of your long-term savings and investments. This service
Choosing the most efficient mix of foreign and domestic
stocks and bonds.
Selection of investments with which to implement the asset
Monitoring and Reporting
While you will get regular monthly account statements from
the firm that holds your account (typically Schwab Institutional
but not limited to that), we also provide you with detailed
Over time, your portfolio's allocation to different kinds
of stocks and bonds will naturally drift away from its targets,
requiring us to make adjustments in order to keep your investment
plan on track.