Financial Planning & Investment Management

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When it comes to investing, it's not just about growing your portfolio; it's about aligning your portfolio with your specific financial goals.

As a fiduciary, our purpose is to prepare you for the future by developing the right strategy for optimizing your wealth. The financial plan we create for you is designed to anticipate the many issues you may face, such as outliving your money, preparing for retirement, improving tax efficiency, and the list goes on and on.

• Organize your finances to gain a clear understanding of your current situation 
• Financial plan to provide a framework for quantifying financial decisions: 
• Tax-efficient retirement income planning 
• Forward-looking income tax estimates to implement effective tax mitigation strategies 
• Required minimum distributions (RMD) 
• Social Security claiming strategy 
• Employee benefits analysis 
• Insurance planning 
• Health insurance and health cost planning
• Charitable gift planning
• Estate planning* 
• Major life decisions planning 

• Tax return reviews
• Current year tax planning, optimizing, and coordinating income tax sensitive items: 
• Portfolio withdrawals
• Impact on Medicare premiums 
• Capital gains tax 
• Tax bracket management 
• Income tax withholdings 
• Roth IRA conversions 

• Investment strategy grounded in Nobel Prize-winning academic research**
• Utilizing mutual funds and ETFs from Dimensional Fund Advisors (some of which may not be available to retail investors) 
• Asset allocation aligned with your goals
• Discretionary asset management
• Portfolio rebalancing
• Tax loss harvesting
• Portfolio reviews 

Serving an intentionally small, select group of clients - maintaining a high service standard - allows us to allocate more time to our clients' matters and promptly respond to all inquiries.

We provide access to the client portal, which allows you to track all your assets in one centralized location. Your complete financial picture is available whenever needed, and the data is updated daily. 

As an independent advisor, we work with a third-party custodian, Charles Schwab, to safeguard your investments. Schwab ensures that your assets are held in a separate account under your name, and we have limited authority to manage the account on your behalf. You have full access through the website and phone, and you receive correspondence about your account directly from your custodian. 

Charles Schwab & Co., Inc. has over 30 years of experience serving independent advisors. Schwab pioneered the business of exclusively catering to independent, fee-only investment advisors and their clients. 

As of January 2024, Schwab manages $8.5 trillion in Total Client Assets. (Source: "Schwab reports fourth quarter and full-year results," Schwab news release, January 17, 2024). 

If necessary, you can contact Schwab Advisor Services at 800-515-2157 or visit: schwaballiance.com