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Investment Guidance

Investment selection is important. There are a lot of places to put your money and the landscape can be tricky. As fiduciaries, we generally encourage investing for the long term with a balanced portfolio of well-diversified holdings. However, no investor is exactly the same. We begin by listening. Your goals, resources, timeline, and personal attitude regarding money and investing are all factors we consider when advising on the construction of your portfolio. We also recognize that your time horizon may be longer than previous generations, so your assets need to stay as busy as you are.

Whether you desire to grow capital, preserve principal, or generate an income stream we can construct an investment package that fits your specific circumstances. Make an appointment with one of our advisors to learn more.

Retirement Planning

One of the most interesting discussions we have with clients is what's next as they anticipate retirement. While some people eagerly await relaxing at the conclusion of their paid employment, others have interest in maintaining some professional engagement or staying involved in the community. Some wish to travel or indulge other long put off interests and most folks have concerns about how to make it all happen.

 

When should you start Social Security benefits? How do you access your retirement funds? What is the right strategy to save for retirement? Our planning can answer these and many other questions and show you the best way to have the flexibility and resources to pursue your personal picture of retirement. Speak with one of our advisors to discover more.

Estate Planning

Regardless of the size of your estate, you probably want it to be directed toward protecting those you love and supporting the organizations and ideals you hold dear. There are many decisions to be made when planning your legacy and we can walk you through the process of getting a handle on them. We can guide you toward outside professional resources who provide the mechanics for expressing your charitable intent and leaving your assets to your heirs.

We also make certain your investments are properly allocated with your planned legacy in mind. Your wishes for the future of your assets can provide a blueprint for certain investment and income stream decisions. We can also assist the next generation as they take possession of their inheritance. We make sure your estate goes to the right people, at the right time, with the right management, in order to make your legacy a positive one. Speak with one of our advisors to find out how.

Employee Benefits

Meeting

There are a lot of reasons why businesses offer retirement benefits to their employees. A well-conceived retirement plan can help attract and retain quality personnel and boost tax-efficient retirement savings for the business owners. If you own a small business, come and speak with us about exploring options for 401(k), SIMPLE IRA, or other retirement savings benefits packages. Even if you are your only employee. Not only will we assist you in determining which type of plan is most appropriate for your business, we can also help build, establish, and maintain your plan. Make an appointment with one of our advisors for details.

 

If you are fortunate enough to have a retirement benefit program provided to you through your workplace, we can optimize your participation in your plan's choices and features and help you coordinate them with your own personal planning strategies. We can also roll over all your old plans. Consolidating plans from previous employment will give you more control over your assets and help you save more efficiently.

Risk Management

Risk management is the defensive part of the planning process. Our advisors are keenly aware of the risks associated with investing and we construct portfolios and advise on investment strategy with an eye towards mitigating and managing those risks. While investment risk cannot be completely eliminated, our advisors use well-established methodology developed by leading economists to reduce risk exposure.

 

We can assist you with other types of risk management as well. Syman-Degler Group can perform an insurance analysis to help you understand your liability exposure and can provide guidance for fixing any unacceptable gaps in coverage. We can also produce life insurance products through our appointments with Pacific Life Insurance Company. Make an appointment to speak with one of our advisors to learn more.

Tax Efficiency

While taxes remain a line item on that short list of things one cannot avoid, it is still possible to increase tax efficiency and reduce overall tax liability.

 

We implement strategies that utilize tax advantaged tools and programs for everything from saving for college to building your retirement nest egg. Taxes must also be considered when selling a security, determining when to take Social Security benefits, or how to give that gift of a highly appreciated asset to your favorite charity.

 

Because we stay current on IRS rules and regulations, we can make certain that all aspects of your planning goals are met with tax implications in mind. Speak with one of our advisors for details.

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