CLIENT EXPERIENCE
YOUR VISION. OUR PROCESS.
THE CLIENT EXPERIENCE – A COMMITMENT TO ADVICE AND SERVICE
We believe clients need two things from their advisor—advice and service. We continuously invest in resources that enhance our client experience and provide exceptional service with personalized advice.
LIFE & WEALTH OPTIMIZATION
We believe financial advice is about more than just having a plan. It’s about having the right plan for you. And that only happens with a true understanding of your whole life, beyond just your finances. As your needs become more complex, sophisticated advice and a relationship built for the long-term is even more important.
What does financial independence mean to you? For some, it is going to work because you want to, not because you have to. For others, it is knowing that you can comfortably maintain your lifestyle, regardless of market conditions and the curveballs life may throw your way. Through Life & Wealth Optimization, we help you identify and prioritize your goals so you can live your life with freedom.
LIFE & WEALTH OPTIMIZATION FOLLOWS A SIMPLE, 3-STEP PROCESS
STEP 1
UNDERSTAND YOUR GOALS
We start by getting to know you beyond the numbers – your current circumstances, your future goals, your concerns and your aspirations.
STEP 2
DESIGN YOUR FINANCIAL PLAN
We create a fully customized and detailed plan to help reach your goals, which could be anything from securing a comfortable retirement, paying for a child’s education, purchasing a second home or just saving a bit more each month.
STEP 3
OPTIMIZE YOUR PORTFOLIO
Our goal-oriented approach to investing aligns your money with your vision for your life. We focus on managing risk rather than chasing returns and review your investment allocation to ensure it remains aligned with your goals and objectives.
A COMPREHENSIVE APPROACH TO FINANCIAL ADVICE
THE CLIENT EXPERIENCE – A COMMITMENT TO ADVICE AND SERVICE
We believe clients need two things from their advisor—advice and service. We continuously invest in resources that enhance our client experience and provide exceptional service with personalized advice.
FINANCIAL PLANNING
LIFE PHASES
- Wealth accumulation
- Income planning
- Asset preservation
- Wealth transfer
COMMON GOALS
- Retirement
- Education
- Business Planning
- Home Purchase/Sale
- Gifting Strategies
AREAS OF FOCUS
- Cash & Liabilities
- Tax Strategy
- Estate Planning
- Risk Management
INVESTMENT MANAGEMENT
PORTFOLIO MANAGEMENT
- Asset Allocation
- Research & Due Diligence
- Investment Selection
PORTFOLIO REVIEW
- Asset Allocation
- Risk Management
BY THE NUMBERS
AUM
Assets Under Management (billons)
OFFICES
Offices in Massachusetts, New Hampshire, Connecticut, New York and Ohio
TEAM MEMBERS
Comprised of 84 team members and growing!
LIFE WELL PLANNED
When it comes to financial planning, there is only one person that matters: You. This is your life, your goals, your dreams, and it’s not just about saving for retirement or paying for a child’s education. It’s about having the resources and the time to accomplish your goals, and still enjoy life’s great moments along the way
FINANCIAL PLANNING PROCESS
UNDERSTAND YOUR GOALS
• Identify and prioritize your goals and objectives.
• Educate you on key strengths and risks of your financial situation.
DESIGN YOUR PLAN
• Analyze your current financial data and future goals.
• Propose a personalized game plan that addresses your needs and combats the major risks to your financial success.
OPTIMIZE YOUR PLAN
• Execute your plan using specific, agreed upon strategies.
• Optimize and regularly monitor your plan to track progress over time.
• Adjust your plan based on changes that occur in your life.
INVESTING WELL
We take a result driven approach to investing built around your financial goals and we focus on defining your risk tolerance, time frame and investment objectives. Our disciplined and systematic approach seeks to mitigate risk and optimize return.
INVESTMENT MANAGEMENT PROCESS
Our investment process is a two pronged approach. Our investment committee and two investment strategists focus on strategy construction and monitoring for 100+ investment solutions, while your financial advisor is responsible for ensuring your investment portfolio is in alignment with your risk tolerance and overall investment objectives.
UNDERSTAND YOUR GOALS
- DEFINE GOALS, INVESTMENT OBJECTIVE & TIMEFRAME
- COMPLETE RISK ASSESSMENT
- IDENTIFY TAX CONSIDERATIONS
- CREATE INVESTMENT POLICY STATEMENT
DESIGN
- RESEARCH & DUE DILIGENCE
- ASSET ALLOCATION
- INVESTMENT SELECTION
- IMPLEMENT STRATEGY
OPTIMIZE
- ONGOING RESEARCH & DUE DILIGENCE
- REBALANCING
- TAX LOSS HARVESTING
- ENSURE INVESTMENT SUITABILITY
CONTACT US
Independence. It sounds, great but is it really that easy? Whether you’re an employee advisor or you have been running your business for years, there is a lot of responsibility. We are here to provide solutions to reduce the time and energy that is required of today’s business owners.