We serve a diverse client base. While everyone does not fit into the categories below, we have found certain client profiles get the most value of our comprehensive values based approach.
High income/High Net Worth
It is well documented that there is an income gap for professional women when compared to men. What is less known, is that women also have a retirement savings gap to men when incomes are compared. Well-educated, professional women juggling the demands of family and career. Women have unique retirement and wealth issues that come from longer life expectancies and demands for caring for parents, children and spouses/partners. Our comprehensive approach considers issues like these in helping to set the right financial course for you.
Physicians and Medical Professionals
Small business owners
As a business owner you are fully engaged in the success of their own businesses. Your business, family, community and individual passions are often as inseparable as they are distinct. As a result, they often have little time to actively manage their own personal resources. We assist you in coordinating your cash flow planning, retirement, group benefits planning, tax reduction strategies, estate planning, and long-term wealth planning for both your business and family assets.
Volatile income earners
High income earners such as athletes and real estate agents, with significant, but volatile income. We understand the unique planning challenges in balancing your desired lifestyle today with an uncertain economic future. Our technology allows us to model different scenairos to help balance your lifestyle, cash flow management, risk management, investment planning, tax planning, and wealth preservation planning.
Retirees/Those Near Retirement
Retirees have the distinctive challenge of making sure their assets last throughout your life. Individuals receiving a lump-sum retirement plan distribution often need help with a retirement income plan prior to investing those funds for the long term. Our unique planning process helps delve into what this new stage of life means for you prior to managing the money. Depending you’re your risk tolerance, there are income strategies that may be available that don’t even require investing. If investing is appropriate, we believe that it should be in the most tax efficient and risk averse manner necessary.
People rarely fit neatly into one category. They often have multiple issues and ways they describe themselves. The following represent some key affinity groups or demographics that our background, sensitivity and expertise.
Brandeis’ Research “Wealth Patterns Among the Top 5% of African Americans shows disparities both in wealth outcomes and financial access/exposure. As an African American Financial Advisor, James Brewer brings his unique life experience to addressing the emotional pulls and financial literacy issues to help close the gap.
Clients with Environmental, Social and Governance Concerns
Many investors want to invest in companies that share their beliefs for empowering women and minorities, increasing sustainability, etc. We have made it a point to understand the variety of ways that these desires can be incorporated into financial planning. A couple of key areas are investment planning and charitable planning. Business owners may be interested in incorporating their values into the investment menu of their 401(k) or other company retirement plan.
Families with multi-generational wealth face a number of unique challenges. We provide financial and investment planning services for families in order to ensure a maximum retention of assets while preserving important relationships. This may simply be facilitating conversations between the generations to level expectations. These conversations may lead to grandparent gifting strategies for college, utilizing trusts, charitable foundations, et.
Individuals that acquire money through inheritance, divorce, settlement, lottery, etc. often need help stabling an entirely new wealth management plan. Often tax planning can minimize the erosion of cash that is irrevocable. Though these assets are gained during emotional and difficult periods of life. Proper management of these new financial assets can minimize risks of divorce, spendthrift children that can dash the dreams of long-term financial goals. We work with clients to enhance their financial literacy and help them better understand the risks and trade-offs of this new found wealth.