The process of portfolio management is highly individualized and should not be though of as pre-packed. Our purpose is to generate solid risk-adjusted returns, and to properly align the level of volatility with the objective of each particular account.
Our steps to effective investment management are:
Draft the Investment Policy Statement (IPS)
Determine income & cash flow needs
Design the growth strategy
Design the income strategy
Assess risk level and adjust accordingly
Monitor and benchmark account performance; on an aggregate and individual holdings level
Monitor tax efficiency
We customize a plan that integrates our client’s objectives within a larger, overall financial strategy. We evaluate each client’s income and expenses, net worth, liquidity, college savings, investment approach and performance, retirement planning, tax efficiency, and estate planning. Once the financial plan is drafted and reviewed, we serve as an important conduit to client’s other advisors, and our trusted partners, to implement the various action items. Client meetings offer an opportunity to review investment and planning results, discuss non-financial issues and consider life events that could have an impact on a client’s financial priorities.
- Cash flow analysis and budget management
- Debt analysis
- College savings strategies
- Retirement Planning· Retirement Income Illustrator· Social Security analysis
· Health coverage and entitlements
· Asset allocation shift
- Wealth Protection· Full insurance review· Life, Health, Disability coverage
· Property & Casualty coverage
· Long Term Care protection
- Tax Planning
· Tax return reviews and recommendations
· Portfolio tax efficiency analysis
· Qualified retirement plan and individual IRA contributions
· Corporate structure analysis
Estate Planning Review
· Organize and maintain inventory of assets and liabilities
· Review and update estate plan and documents with client’s attorney
· Assist with titling of assets
- Family Affairs· Education and financial literacy for client’s children· Foundational planning for young couples
· Divorce planning
· Assistance with wealth transfers
· Gifting and philanthropy
Employer-Sponsored Retirement Plans
We provide consulting and implementation services to small businesses; plan design, installation, fiduciary oversight , asset management, and employee education and planning. Our goal is to improve performance, lower fees, and to minimize the administrative burden. Our corporate retirement plan partners include many of the best platform sponsors and Third Party Administrators (TPAs) in the industry.
401(k) /Profit Sharing
SEP and SIMPLE IRAs
Cash Balance Defined Benefit Plans
Most people work very hard to build wealth, few take the time to properly protect the assets that they do have- or will need in the future. Building a solid financial foundation means being prepared for the unexpected. No amount of financial planning can prevent a debilitating injury, premature death or natural disaster. But the proper insurance coverage can make the difference between financial harm and stability.
We will work with you to identify any coverage shortfalls in the areas of:
- Life insurance
- Disability income
- Long term care
- Property & casualty
- Health insurance
- Personal & professional liability.
Understanding tax strategies and managing your tax bill should be part of any sound financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts.
Diversification and asset allocation strategies do not assure profit or protect against loss.
Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory Services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge, Riverside Financial Group, LLC and Carlson & Carlson are not affiliated.
This communication is strictly intended for individuals residing in the states of: CA, CO, CT, FL, HI, IL, IN, MA, MD, ME, NC, NH, NJ, NV, NY, OR, PA, RI, SC, TX, VA, VT, WA and WI
This site may contain third-party links. The information being provided is strictly as a courtesy. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to. We make no representation as to the completeness or accuracy of information provided at these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information, and programs made available through this website.