Comprehensive

Wealth Planning

We rely on a variety of tools to help our clients maintain order and perspective – the most important are a financial plan and a personal wealth/document organizer. We’re more likely to reach our destination if we know where we’re trying to go. A financial plan, like a budget, need not be viewed as a tool of constraint. It provides a baseline for course corrections and adjustments. Optimally, a financial plan can be a springboard for dreams and aspirations, as well as a platform for keeping us in touch with reality. Our advisory team develops customized plans designed to address the present as well as the future.

Where a financial plan is helpful in providing context of where we are headed, the Personal Wealth Organizer (PWO) is a source of clarity for capturing where we stand today. Our lives are complex. The PWO is a central location for all the elements making up our financial lives – from the esoteric, like an individual or family mission statement, to the essential, such as key contacts and passwords. Many financial advisors avoid assisting in their creation because it’s time consuming. We believe it can be an essential reference tool for personal clarity and, perhaps more importantly, our loved ones.

Investment Management

Our investment process is centered on the following principles:

PURPOSE
Have clear, appropriate investment goals. Investment objectives fall broadly into two groups: personal life-cycle goals, such as retirement or higher education funding, and broader risk return oriented goals, such as building wealth or achieving a desired portfolio outcome.

OPTIMIZATION
Portfolio composition should reflect risk necessity and risk capacity, informed by time horizon and liquidity need. Portfolios should be sensible and optimized for efficiency across varying spectrums including liquidity, diversification, taxes, and cost.

Seek differentiated return; Avoid uncompensated risk.

DISCIPLINE
Maintain perspective and discipline, utilizing a clearly defined investment process and framework. Control what we can control, mindful that we are investors, not traders.

HUMILITY
Maintain a growth vs. fixed mindset, recognizing the importance of curiosity and humility in our professional and personal development.

Tax Planning

Including an effective tax strategy as part of your overall wealth and estate plan may help you maximize your savings and reach your financial goals. We work with an experienced, in-house tax team that understands the latest regulatory issues and tax law changes to create tax-efficient strategies for you designed to minimize your tax burden.

 

  • Proactive, creative tax analysis and year-round planning
  • Implementation of multi-state tax strategies including residency and domicile
  • Gift and estate tax planning
  • Charitable donations

Risk Management/
Insurance Analysis

Having income protection strategies in place can help you protect your family now and in the future. A sound financial plan includes insurance solutions that address areas such as life, property, and casualty. We can help you evaluate solutions and recommend options to fit your family’s needs.

 

  • Asset and income protection strategies
  • Analysis of major insurance companies and product recommendations
  • Life insurance audits and long-term care expense mitigation
  • Estate tax elimination strategies

    Trust Services

    Thoughtful trust and estate strategies can help minimize taxes, protect assets, and create meaningful opportunities for future generations. Our trust team can partner with you to design a customized approach that aligns with your goals, values, and vision for your family.

     

    • Review and advise on trust documents
    • Charitable planning and gifting strategies
    • Generation-skipping wealth transfer strategies
    • Self-settled trusts for asset protection and efficient distribution
    • Professional, experienced and knowledgeable trust management

    Investment advisory services are offered through Mariner Platform Solutions (MPS); affiliates of MPS may provide other services listed and they may be subject to additional fees. Some advisors are licensed insurance agents and may be compensated for selling insurance-related products through an affiliated or unaffiliated insurance agency.

    Asset allocation, diversification and other investment strategies cannot ensure a profit or protect against loss in a declining market. Investing involves risk, including the potential loss of principal.  There is no guarantee that any investment or planning strategy will be successful.