How we can help
Let’s explore your financial opportunities
Do you know how your decisions
impact your finances?
We're here to help you understand your options and choose the right path.
Can you afford to retire early? Does it make sense to downsize and buy that vacation home in the mountains? How much can you spend on travel every year? These are just some of the questions that we help our clients answer confidently by showing them exactly how answers to these choices will impact their future financial picture.
Services
Investment management services
Our investment process is founded on rigorous academic training and principles shaped by over 25 years of experience in the investment management industry. We match your goals with your unique situation and design a customized portfolio for you.
How does this help you?
- Save time assessing options
There are a multitude of investment options you can choose from. We have the experience to navigate your choices while simplifying your investment strategy and building a diversified portfolio. - Align your investments with your financial goals
We aim to match your investments to your goals while not taking on any unnecessary risk. Once we determine your post-retirement goals, we’ll set out to design an investment model that achieves them with the least amount of volatility possible. - Plan for a comfortable retirement
Your investment strategy should complement your financial plan. We help you confidently imagine what retirement could look like, so you can relax and enjoy life, rather than worry about how you’ll pay for it.
Retirement planning services
Lean on our years of experience, having helped hundreds of Sacramento wealth management clients determine which decisions were right for them, as you start on your path to retirement.
How does this help you?
- Find a personal plan
Design a retirement income strategy that allows you to retire and live the lifestyle you want with confidence. We’ll show you how each decision may impact your future retirement income stream along the way. - Optimize your benefit options
There is no one-size-fits-all solution when it comes to how to receive your Social Security income and Medicare benefits. We’ll help you wade through your options and determine which choices are right for YOU - Organize your sources of income
Income from investments, pension, social security, and rental properties create opportunities and challenges. We’ll help you juggle when to turn on and off some of these sources to create the plan with the greatest chance of success.
Tax optimization services
We begin with an in-depth understanding of your financial picture to identify tax strategies that are best suited for you. A full tax analysis will be completed during our initial retirement assessment, then again semiannually. Various stages of life present different ways to reduce your tax burden and allow us to build a plan to attain tax optimization. Some of these strategies include:
- Roth conversion
- Charitable donations
- Qualified charitable distribution
- Tax harvesting
- Income planning
How does this help you?
- Gain confidence with a solid plan
No matter where you are in life or where you are headed, having a tax plan is important. We sort through a wide variety of tax strategies and guide you with financial insights to improve your tax situation. - Analyze your asset location
How your assets are invested within taxable accounts versus retirement accounts impacts your overall taxable outcome. We utilize your tax-deferred accounts for investments that generate higher taxes. Investments that generate gains taxed at lower brackets are better suited for taxable accounts. - Focus on timing for optimal planning
We help you time your taxable income during “gap years” — the years between when you retire and before starting social security or required mandatory distributions. At points when your income goes down, we take advantage of strategies that will reduce taxes for the rest of your life.
Income planning services
Whether you are taking income from your retirement assets or are planning for retirement, there are a lot of questions to consider. Some of these include: Am I taking withdrawals from the best place? Am I taking too much or can I take more? Will my money last me the rest of my life?
Income planning provides answers to all of these questions. Gain confidence knowing that you will not outlive your money. We generate a detailed cash flow plan budgeting for expenses such as travel, home improvements, new cars, and the potential need for assisted living at the end of your life.
How does this help you?
- Cash flow events
Income not only impacts your tax bracket but Medicare premiums, as well. We work closely with you through cash flow events such as the sale of property, required minimum distributions, or windfall events like selling a business or receiving an inheritance. - Budgeting for the long-term
If you wish to leave money to your kids or other beneficiaries, taxable and tax-deferred accounts pass on differently. This is an important aspect of income planning to ensure you have ample income during your lifetime with a legacy best suited for your beneficiaries.
Estate planning services
When it comes to end-of-life planning, it’s important to have your legal documents squared away before it’s too late. We help ensure your wealth goes where you want when the time comes.
The Better Strategy?
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Predict
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Prepare
How does this help you?
- Stay organized
Have your documents easily accessible for your heirs or medical professionals at the time when it’s needed most. - Leave a legacy for your family or charity
If you’d like to leave a legacy, we’ll work hand in hand with an estate attorney to ensure an efficient transfer of assets and a plan is in place to mitigate estate taxes.
Small business owner strategies
After years of working with small business owners, we’ve come to understand many of your shared challenges unique to business owners. Along with these challenges come some substantial opportunities we want to help you take advantage of.
We recognize running a business takes lots of energy. Save your energy for the day-to-day business and your family, and leave your long-term planning and investment strategy to us.
How does this help you?
- Design and manage your business retirement plan
Whether you're a solopreneur or have up to 100 employees, we can help you design a business retirement plan to optimize your retirement savings and incentivize employee retention. - Properly classify your business entity
We’ll work closely with your tax professional to determine any tax benefits and pitfalls that may come from how you file and report your business income, such as S-Corp, C-Corp, LLC, or Sole Proprietor. - Business valuation and transition strategy
When preparing for retirement, you may need help with an exit strategy. We’ll team up with a valuation professional and chart out a path for you to maximize your business value and pass it on to the next generation tax efficiently.
Establish your comprehensive
wealth management plan
Feel confident knowing you have an academically-based plan made for you.
