Developing a wealth plan, a customized financial roadmap that strives to meet your goals and aspirations, is one of the most important areas in which we can assist you. Often, wealth planning will focus on retirement, illustrating how your financial resources may provide an income throughout your lifetime.

Wealth planning is a collaborative process, and we will explore topics such as income planning, taxation, retirement distribution planning, strategies for withdrawing from retirement accounts, claiming Social Security benefits, and other areas designed to help optimize your retirement outcome and address your specific goals.

Once a final plan is modeled and adopted, we will review this plan with you periodically, updating the plan to new circumstances, opportunities, and goals.

Risk management strategies are an essential component to your success. Our team goes beyond the traditional risk profile process by using Stifel’s proprietary behavioral finance tools to uncover six key indicators that reveal how clients feel and think about investing. By understanding your goals, risk appetite, and time horizon, we strive to create tailored strategies designed to grow your wealth while mitigating downside risk. We put this into practice by diversifying investments across asset classes and sectors. From there, we maintain periodic communication with you regarding evolving market conditions and your personal objectives in an attempt to provide you with confidence in an ever-changing world.

Income and capital gains taxes are an important area of ongoing discussion and planning and potentially represent a significant drain on your resources. In our discussions with you and your tax professional, with your approval, we will coordinate strategies for adding to and withdrawing from different types of retirement accounts (i.e., taxable investment accounts, traditional IRAs, Roth IRAs, etc.) to work toward an appropriate outcome for you.

Additionally, with the assistance of your tax advisor, we will provide education and understanding of the taxation that may result from the investment strategies that are adopted and discuss ways to delay or reduce taxation, where possible.

At its core, investment planning involves the strategic allocation of assets in pursuit of the greatest return with the least amount of risk. One of the most integral parts of the planning process; however, are the periodic reviews with you. These meetings allow us to check in with you and review your portfolio results against your objectives and market conditions, seeking to adapt to changing economic environments, capitalize on emerging opportunities, or mitigate potential threats. These evaluations are structured to help ensure that investment decisions remain aligned with your evolving circumstances and objectives.

Understanding how you want to leave your legacy is key to helping you navigate the estate planning process. When we understand how you wish to pass your wealth, we can educate you on your options. Whether it’s a gifting strategy, utilizing trusts, beneficiary updates, charitable giving, among other various options, we will coordinate with you and your legal and tax advisors as needed to develop cohesive, integrated strategies that suit your particular planning needs.

Tax-advantaged retirement accounts are designed to help you save for your future while mitigating your tax burden. To get the most out of your retirement savings, it’s imperative that you are utilizing the type of retirement account that is best suited for your needs. Our team takes pride in learning about your circumstances and working with you to identify the best possible path toward building a successful retirement plan.

Insurance plays a crucial role in protecting your assets against risks and financial burdens. From life insurance that provides financial security for loved ones in the event of a tragedy to disability insurance that is designed to supply an income stream if you are unable to work due to illness or injury, these strategies can offer you coverage to help you and your loved ones recover. For our entrepreneurial clients, we offer guidance on key person insurance and buy-sell agreements as well. Whether the need is business or personal, we take a thoughtful approach to insurance solutions that serve a distinct purpose.