Wealth Management


Insight into Action. We branded our wealth management process, LifeSpectrum Planning™, driven by three goals – financial independence, family legacy, and social capital legacy. Our approach works to clearly define these goals through a personal index — a benchmark to measure your accomplishments.

We are focused on guiding our clients to financial confidence by simplifying their financial lives. Our process allows us to identify issues and find untapped opportunities that have been overlooked by others. We approach wealth management through a dedicated multi-disciplinary team of financial planners, investment professionals, and tax experts working together for your benefit and success. The result is coordinated advice, guidance, and education.

Our wealth management platform is powered by SpectrumCFO™, a web-based wealth management system that serves as a collective view of your entire financial structure today and a roadmap for tomorrow. Through account aggregation technology, your planning roadmap is always up-to-date, resulting in the ability to receive quick responses for the many decisions you will make now and in the future.

The depth of our planning is vast. It anticipates and answers questions like:

  • Can I afford to purchase a second home now, and what is the best method to pay for it?
  • Can I provide for charity today versus waiting for tomorrow?
  • Can I begin a gifting program for my children or grandchildren?
  • Can I leave my lucrative career and pursue another passion?
  • When should I apply for Social Security? Should I apply today or delay?
  • How do I deal with market volatility?

We even ask questions that you may not have thought of, such as:

  • Should I accelerate distributions from my IRA?
  • How can I accomplish charitable wishes tax-efficiently?
  • How can I minimize taxes to retain more of my wealth?

We are your dedicated team of professionals looking beyond today to bring you a better tomorrow.

Creative Wealth Planning

LifeSpectrum Planning™

We believe the integration of your Financial Independence, Family Legacy, and Social Capital Legacy leads to Wealth Optimization.

Financial Independence

Retaining sufficient financial resources to protect financial security and maintain an existing lifestyle.

Family Legacy

Enabling the transfer of what a family has, with a high degree of autonomy and flexibility.

Social Capital Legacy

Directing resources to charitable purposes, consistent with pre-defined values.

Please watch our video on how creative wealth planning can bring confidence and clarity to your financial life.

SpectrumCFO™

SpectrumCFO™ is a web-based wealth management system that serves as a holistic view of your entire financial structure — from accounts, we manage to accounts held at other institutions. Through account aggregation, SpectrumCFO™ collects, tracks, and reports your financial activities to effectively and efficiently manage your financial life bringing accountability to you on demand. Your portal functions as a virtual vault storing essential documents such as estate documents, tax returns, deeds, and insurance policies for easy access 24 hours a day.

You can monitor your spending in real-time, create spending targets to measure activity, receive alerts to monitor changes in your financial position that would impact your course of action. We are alerted immediately when a threshold, such as an asset allocation shift or change in net worth, exceeds a tolerance level so that we can be proactive in the management of your wealth.

Please watch our video to learn more about SpectrumCFO™.

Wealth Management Services

Investments

Our investment philosophy is shaped by a team focus that allows us to take a unique approach based on a disciplined process and not predictions and speculation. As a fiduciary, we step outside the traditional pressures of wire house advisors to provide our clients with unbiased investment advice. Read more about our Investment Advisory process here.

Financial Goal Setting and Projections

We devote the time to fully understand you, your goals, your circumstances and your hopes and dreams before we begin to develop your plan. We establish a personal index, a benchmark to measure your accomplishments. We create a roadmap that helps guide your progression and effectively address important financial factors that may impact you. In today's complex financial world, the roadmap brings accountability and focus to your plan.

Cash Flow Planning

We analyze sources of income and expenses. Through SpectrumCFO™, we aggregate outside accounts (checking, savings, credit cards, 401(k) plans, among others) to streamline the process of tracking financial activity. You can create categories of income and expenses all personalized for you, develop budgets, receive alerts, and monitor how your actual activities compare to projections.

Strategic Tax Planning

In tax planning, timing is everything. Detailed cash flow planning, combined with a thorough analysis of current and proposed tax laws, allow us to create scenarios that compare the benefit of various strategies and the impact on your wealth. Our roots in accounting and tax strategy are evident in the proactive nature of our advice.

Risk Management

Most people think of risk management in terms of their investment decisions. However, risk management is far broader. Individuals and families are exposed to risk in many areas of their lives beyond investments such as premature death, medical issues, complicated family situations, and more. We conduct a gap analysis of risk exposures and methods to minimize the impact to you and your family.

Wealth Transfer Planning

We identify effective strategies for distributing assets in ways consistent with family values while minimizing the impact of gift and estate taxes.

Philanthropic Planning

Social capital represents that part of your wealth returned to society philanthropy or taxation. Our clients prefer their social capital to be directed toward causes that are important to them through philanthropic endeavors. We devise plans to do so through an array of charitable approaches ranging from making annual gifts, creating sophisticated trust structures to establishing a donor-advised fund, or even a family foundation.

Coordination of Outside Advisors

We coordinate the activities of your various specialty advisors, including access to information needed to perform their functions. Our goal is to assure each advisor is well informed to perform their functions for your benefit.

Document Vault

Through your website, you can store copies of essential documents from tax returns, wills, and trusts to birth certificates and passports, for easy access.

Transition Planning

Life transitions such as divorce, loss of a spouse, career change, a large inheritance, or a sale of business require care and specialized planning. We are effective in helping those in transition develop a plan for successful long-term outcomes.


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