Our investment management services are your dependable work-horse, harnessed to your personal goals and circumstances, pulling you toward your wealth potential while managing the market risks involved. No conflicting commissions or sales incentives – we provide objective advice, dedicated to your highest interests. Our strategy is guided by an evidence-based approach to earning long-term returns amidst ever-volatile markets.
Grounded in the rational insights of capital market theory, behavioral finance and ongoing academic inquiry, we skip the costs, hyperactive trading and emotions involved in trying to find the proverbial needles in the haystack. Instead, we engineer low-cost, tax-efficient globally diversified portfolios, we then use disciplined rebalancing to lock in any past gains, maintain your portfolio, and help you avoid the behavioral biases that otherwise tempt you off-course.
Most of us would like to know that our loved ones, philanthropic pursuits, and cherished possessions will be cared for when we die, with minimal stress or burden to others. Should you become critically ill, you also would like to know that you will be treated with dignity, according to your own values. Unfortunately, best intentions often lapse, and so can estate plans. As your wealth manager, we’ll propel you past the daily distractions by overseeing the ongoing process involved.
As with other aspects of wealth management, estate planning is enhanced by blending critical analysis, coordinated planning, and compassionate care. We’ll help you evaluate your current plans, formulate an action plan, organize its implementation and oversee ongoing progress. These are the goals at the heart of our estate-planning services: ensuring your wishes are reflected in your financial and personal affairs when you can no longer manage the decisions yourself.
As your children pursue higher education and an independent lifestyle, you want all the best for them. But it’s also critical that the costs involved don’t strain your own financial well-being. The advisors at TotalRetirements will help you set realistic goals for you and your children and structure your investments accordingly.
While there are virtually endless choices for college funding, there are no one-size-fits-all answers. We will help you consider the viable saving, investment, scholarship, lending, and gifting solutions available. Our strategies chart a course of action that complement the rest of your financial, investment, and tax-management plans. We also can assist with the planning dialogue between you and your children, as conversations about money can often be enhanced by an informed, objective facilitator.
When significant risks are realized, nothing is more vital to your wealth and well-being than effective risk management. However, not all insurance policies and carriers are created equally. Some insurance products are little more than devices for enriching the salespeople who are peddling them, while others are more sensibly structured to play a proper role in your wealth strategy. The goal is to apply solid solutions for striking an optimal balance between money spent on insurance and the protection insurance provides.
We’ll assess your current coverage to identify gaps or overlaps among your life, disability, and long-term care insurance policies. Our review can help ensure that beneficiaries and designations remain relevant. Over time, we’ll familiarize you with other risk management strategies that can contribute to your advanced planning and tax management needs.
Although often overlooked or treated as an after-thought, well-integrated tax planning and preparation can significantly enhance your end returns – the ones you get to keep. By working in close collaboration with your own tax professional – we go the extra mile to ensure that tax management becomes a carefully considered component within each decision made for your portfolio.
In retirement, you want to ensure that your desired lifestyle and legacy are well-funded, with a plan to guide you through future challenges. At TotalRetirements, we become your lifelong partner in wealth, helping you design appropriate savings targets, balance future goals against current spending, adjust to evolving circumstances, and adjust to significant life transitions.