ALLEN • ALBRITTON • HOUGHTON • ELMHORST

Wealth Management

It is our view that there is no one-size-fits-all in investment management. As a result, we draw on our experience and knowledge to craft tailor-made portfolios for our clients. Our solutions include: Exchange Traded Funds (ETF’s), Institutional Separately Managed Accounts (SMA’s), Mutual Funds, Stocks, Bonds, Options, and Annuities.

In addition, we work to address other areas of our client’s financial lives including Insurance, Long-Term Care Funding solutions, Corporate Stock Options, Charitable Giving, Estate Planning, and Social Security analysis.

Retirement Planning

The move from working to retirement can be one of the most stressful events in someone’s life. In addition, it is becoming increasingly common for people to gradually wind down, or find different streams of income rather than full retirement. To this end, we work with clients to design a custom retirement income strategy to guide them in all stages of retirement.

No matter one’s goals or stage of life, a foundation for all of our financial planning is a customized Envision© financial plan. This goals-based financial planning software facilitates a beneficial discussion of someone’s goals and objectives, as well as the corresponding level of savings and investment risk necessary to accomplish them.

Multi-Generational Guidance

Often, a principal goal for high-net-worth families is to effectively transfer wealth to the next generation, while also transferring the principles and work ethic that helped earn it. To this end, we aim to provide relevant guidance to all generations. This ranges from broad financial education to hosting large-scale multi-generational family meetings for high-net-worth families.

Account Consolidation

We have heard many times through the years that the simplicity created through the consolidation of accounts has been one of the most impactful things our practice has provided. Our team works with clients to simplify their financial lives where possible. In addition, we have the ability to utilize account aggregation software to provide a consolidated snapshot of one’s financial picture including outside accounts.

Tax Mitigation Consulting

We work closely with our clients and their tax professionals every year to identify potential tax savings to clients primarily through capital gains analysis and potential tax loss harvesting.  In addition, we work with clients over a number of years to determine the most tax efficient way to draw from their accounts in retirement.

Business Succession Consulting

Our team has worked with many business owners who have ultimately found themselves in a business succession event. These situations might be a family member taking the reins, or a sale of the business to a third party. Throughout the process, we consult and plan with clients and their team of advisors to address all the potential financial impacts, and create a plan to ensure the client’s goals are achieved before, during, and after the transition.