What We Do
Whether you're planning for retirement, managing a recent inheritance, or simply getting your finances on track, we're here to help. Think of us as your financial coaches, we provide services that guide you toward your big win: a comfortable, confident future.
Services
Financial Planning: This is your game plan. A financial plan looks at the big picture and gives you the strategy to succeed, just like a coach designs the plays before the big game. This includes:
- Retirement Planning: This is for those who are both in the accumulation phase AND distribution phases of life. The goal is to establish a plan to not out live your money, both while working and in retirement. The answer to the million dollar question of, "How much money do I need?" starts here.
- Investment Planning: We will evaluate your entire financial picture. This includes income, expenses, debt, retirement accounts, insurance and financial goals such as, saving for a college education or vacation home.
- Tax Planning: This is accomplished by analyzing your investment and retirement plans and making sure that all benefits are being utilized appropriately. With different types of assets are different types of tax treatment. We want to make sure you are tax smart.
- Legacy Planning: Having lifelong goals partnered with planned intentions, so that you know if something were to happen to you, your loved ones are taken care of. We want to figure out what your answers are for questions like, "Do you want to, leave your assets to a specific person or charity? "Do you have any preference on how your medical care is handled?" And, "How would you like your assets to be passed down?"
Asset Management: This is the in-game coaching. When we say "asset management," we're talking about how we handle and manage your investments to help you pursue your financial goals. Asset management is like a coach who's actively managing your investments, adjusting them as life (and markets) change, striving to ensure they're in the best position to succeed.
- Understanding Your Risk Tolerance: Are you the financial equivalent of a cautious golfer who prefers to play it safe on the fairway, or a bold football quarterback ready to go for the long pass? By getting to know your comfort level with investment risks, we can tailor a investment strategy that suits you.
- Investment Planning: Once we understand your goals and risk tolerance, we create a tailored investment plan for you. This plan includes an “asset allocation strategy,” which is just a fancy way of saying we spread your money across different types of investments (like stocks, bonds, and real estate) with an objective to reduce risk and maximize returns.
We recommend an asset allocation strategy that includes diversification, rebalancing, and tax loss harvesting to help position your investments.
But what does that jargon all mean? Let's break it down: - Tax Planning: This is accomplished by analyzing your investment and retirement plans and making sure that all benefits are being utilized appropriately. With different types of assets are different types of tax treatment. We want to make sure you are tax smart.
- Legacy Planning: Having lifelong goals partnered with planned intentions, so that you know if something were to happen to you, your loved ones are taken care of. We want to figure out what your answers are for questions like, "Do you want to, leave your assets to a specific person or charity? "Do you have any preference on how your medical care is handled?" And, "How would you like your assets to be passed down?"
- Diversification: Think of diversification like not putting all your eggs in one basket. By investing in a mix of different assets, we help preserve your investments from market ups an
- Rebalancing: Over time, some investments may perform better than others, which can throw your plan off balance. We regularly review and adjust your investments to make sure they stay in line with your goals.
- Tax Loss Harvesting: This is a technique we use to minimize your taxes. By selling some investments that have lost value, we can offset the taxes on those that have gained value.
Throughout the process, we remain committed to the fiduciary standard in advisory relationships, putting your best interests first and ongoing due diligence to keep it on track.
So, whether you're ready for a coach or prefer to manage things on your own, the choice is yours.
At AWM, we're here to support whatever path you choose to take!
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Asset allocation does not ensure a profit or protect against loss.
Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.