We sit down with you to get a detailed picture of your financial needs and circumstances, including how you envision your retirement — so we can custom tailor a financial plan that identifies and prioritizes your objectives, defines your budget and manages your balance sheet’s assets, liabilities and equity.

Using all the critical information we’ve gathered from you, we determine your personal index: the rate of return you may need to meet your financial goals. We then customize a globally diversified portfolio intended to achieve this rate of return while remaining within your risk parameters.  The portfolio is usually built using a majority of low-cost exchange-traded funds and a smaller selection of active managers, with a risk overlay system to help it remain within your risk parameters. We continue to monitor your portfolio’s performance on a regular basis, rebalancing and making adjustments when your needs or the markets’ dynamics change.

A key factor in preserving your wealth is identifying ways to increase your after-tax return. We do this by leveraging tax-efficient investment vehicles, including funds with a low portfolio turnover, and harvesting capital losses to offset taxes on gains and income.

You never want to put your assets at undue risk. To protect you and your loved ones, we conduct a thorough review of all your insurance policies to determine if you are adequately protected. We also review and update your current trust structure. If you don’t have a trust, we can help you set one up, so you can transfer wealth to family members, charities or institutions smoothly and tax efficiently.

We help you determine what proportion of your assets can be donated to charitable causes without jeopardizing your lifestyle and that of the next generation.  We propose different philanthropic vehicles such as donor-advised funds, private family foundations or charitable trusts and explain the pros and cons of each.  We help you select worthy charities and decide on the timing of your gifts.