Wealth Management
This is an important piece of your financial puzzle, and it’s one we will work closely on together, however, it’s only one part of the process.
- Portfolio Review
- Asset Allocation
- Risk Analysis
- Account Aggregation
- Review Outside Accounts
- 401k Guidance
- Various Money Management Strategies
- Performance Reporting
- Annuities
- Contribution Planning
- Dollar Cost Averaging
Risk Management
There is more to risk than just within your portfolio, there is also risk outside your portfolio, which includes thinks like Long Term Care, Life Insurance, or Key Man insurance for business owners. There are a lot of risks we keep in mind, navigate through, manage, and transfer where we can.
- Review Existing Policies
- Life Insurance Analysis
- Long-Term Care Analysis
- Disability Insurance
- Liability Coverage
- Key Man Insurance (Business Owners)
Tax Planning
We are not tax professionals, but we do understand the important tax implications of receiving and withdrawing money from various accounts. This includes the legacy of wealth you desire to leave your loved ones before or after your passing. We are also collaborating with your CPA to make sure we are both aligned with your goals and you’re only paying what you need to, because we believe “It’s not only how much you make, it’s also about how much you get to keep.”
- Cost-Basis Review
- Realized Gain Review
- Carry Forward Losses
- Tax Loss Harvesting
- Roth Conversions
*PSE collaborates with tax and estate planning professionals
Estate Planning
Let’s make sure your legacy is passed on in the way you desire. From tangible to intangible assets, we work with your estate attorney to coordinate your estate plan and tax plan into the legacy planning process.
- Wills
- Living Will
- Trusts
- Beneficiary Review
- Guardians for Minor Children
- POAs
- Health Care Proxy
- Estate Taxes
- Titling of Assets
*PSE collaborates with tax and estate planning professionals
Cash/Debt Management
There’s no doubt that your cash is an important part of meeting your day-to-day needs. However, it’s just as important for your financial future, and how you manage your expense today can determine how confident you feel about tomorrow.
- Review Income Sources
- Planned Large Expenses
- Mortgage Review
- RMD & Withdrawal Strategies
- Withdrawal Strategies
- Debt Management
- Emergency Funding
- Line of Credit
- Pensions
Charitable Giving
Using your wealth to help others is a wonderful thing. While you may be prepared to leave a legacy of giving after death, we can coordinate with your other trusted professionals to help you make an impact sooner. Because having a sense of purpose and contributing to something bigger than yourself is important to our clients, and it’s important to us.
- Gifting
- 529 Plans
- Charities
- RMD tax efficient gifting
- College Planning
- UGMA/UTMA
- Charitable Trust & Foundations
Value-Added Services
In preparing for what’s ahead, we take the time to educate our clients as well as provide other resources and tools to help them through their financial journey. It’s another way we add value and place the other pieces of the puzzle together. Some of our value-added services include succession planning for your business, Social Security analysis and helping find the right retirement community for our clients or their aging parents.
- Honest Conversations
- Social Security Analysis
- Succession Planning
- Educational Communication
- Priority Action List
- Life Event Recognition
- Web/Social Media Content
- Sounding Board