Helping you answer these four key Wealth Planning Questions
Our clients are discerning and are looking for personalized wealth management and the ongoing monitoring of their financial goals and risks. Many arrive with multiple banking and investment accounts and are looking for a trusted advisor who can simplify their life and who is equipped to address a broader range of financial issues. They appreciate the benefits of owning individual securities at their own cost basis with tax efficiency of income and capital gains that can be controlled through proper management.
Our retired clients are seeking customized income solutions that take into account our complete understanding of their expenses and tax consequences. Many have come to ACM for higher yielding income solutions. Once investment and planning needs have been designed, our clients receive ongoing guidance toward transferring assets to family members or charity in the most efficient manner through proper estate and risk management techniques.
Am I on track for my Financial Goals?
Look to us and count on our experience to help put you on the path forward to your goals. We will work with you to develop a strategic plan to help you prioritize what needs to be accomplished at different starting points in your life. We will then help you implement any needed changes and monitor your progress over time. Just like taking a trip, you can travel any road and get somewhere, but if you know where you want to go, then you must plan what roads to take. Taking a little time to plan now will help ensure you ultimately get where you want to go. Just know that you don’t have to travel solo.
When can I make the leap to retire?
Determining your income needs during retirement is a complex equation. The challenge is managing a portfolio by withdrawing some money for today’s expenses and investing the rest for the future. We can help you take inventory of your situation and project out your retirement cash flow. This foundation shapes your asset and portfolio allocation decisions heading into retirement. We will set you on a course for a sensible and sustainable withdrawal plan considering your assets and potential sources of income. And we will help you coordinate and optimize the liquidation of your retirement and investment accounts considering income taxes and required minimum distributions.
Can I make my money last?
Inflation, longevity, the method which you withdraw your income and the random sequence of your returns are some of the key risks to your retirement. Even after calculating your retirement spending needs and saving early and often, these risks, if not planned for, could still have you falling short of your goals. Your ACM Wealth Advisor will build an income optimization plan that will take into account these concerns and seek to extend your income in the most efficient manner possible.
How will I be remembered?
The term legacy is often associated with the rich and famous or to a large amount of money left to someone. More broadly, our legacy may entail the transfer of values, goals or dreams, memories and, yes, financial assets. And for some, it’s the hope of not being a burden to family or someone else. It’s entirely personal.
As your wealth grows, your financial legacy may become more complex. With more assets and greater value, additional considerations (asset protection, family harmony, estate transfer and gift taxes) come into play. In addition to our expertise, we work with your existing advisors and experts in the fields of estate planning, taxes and philanthropy on a regular basis to ensure that your estate plan is in order.
Client Success Stories
Your financial issues are unique – and you deserve more than a one-size-fits-all approach to help you reach your financial goals. Take a look at how customized portfolios and a personalized financial plan can help you solve your financial challenges.