Client Profiles

Our clients have very different personal and professional lives but they all have the following characteristics in common:

• Intelligent
• Intellectually Curious
• Civic/Community minded – Give back to community
• Coachable
• Spiritual
• Sincere, authentic, grounded
• Interested in long-term outcomes
• Want to manage money intelligently and prudently

Busy Professionals

Typically corporate executives or professionals working in medicine, dentistry or government. Client Characteristics:

• Highly educated
• Moderately high to high earned income
• Net asset accumulators
• Complex planning needs often related to benefits packages, employment contracts, stock options and other executive benefits

Common financial goal: retirement or financial independence, generally within a fixed number of years. We incorporate life planning techniques to help our soon-to-be former professionals prepare for life beyond the structured work world. Planning for self-actualization in retirement goes hand-in-hand with the financial planning work we do for this group.

Women-In-Transition

Women face unique financial challenges and often find investments overwhelming, complicated and boring. Life-transitions are stressful, even good ones. For many women, divorce or death of a spouse might leave them feeling vulnerable and unprepared to take full financial control of their future.

Common financial needs:
• Support and guidance over months and possibly years
• Help organizing and prioritizing financial decisions
• Information and guidance to make sense of complex financial matters
• If appropriate, recommending suitable investments for short-term and long-range planning until they are emotionally and mentally ready to make big decisions
• As part of the divorce process, our role is to help accurately project what the end result of different settlements will look like and how it might impact long-term financial well-being

Common financial goals: prepare for a secure retirement, long-term care planning, and philanthropic advice. Women appreciate a collaborative educational approach to financial decision making.

Individuals Preparing for a Lifestyle Transition

As individuals mature they often seek a more fulfilling lifestyle often by working fewer hours or changing to a less stressful work environment.

Common Planning Issues:
• Complex financial planning needs related to living on fixed incomes and with the current expectation of much longer life expectancies.
• A desire for asset management strategies that both grow and preserve the portfolio over increasingly long periods of withdrawal.
• Need for long term care and focused estate planning.

Common financial goal: balancing current income needs with sustained growth and asset preservation. Other goals focus on a client’s legacy, what’s the next phase in their life and what role they want wealth to play in the lives of their children and grandchildren.