Wealth Management

Your investments are the cornerstone of your financial future and need to be managed with care. This pillar of the Harmony FORMula is all about helping your assets work together.

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Why Wealth Management Matters

Creating a retirement plan aligned with your priorities and values allows you to move forward with confidence — whether you’re spending in retirement, maximizing peak earning years, or just getting started with your first retirement account. Every financial decision and every account plays a role in the bigger picture of your future. With thoughtful planning, those pieces can work together to support the life you want to build — now and in the years ahead.

How it Works

Wealth management starts with writing down your short- and long-term goals. We want to get to know you so we can be aligned with your vision. Our team then helps you put plans in place designed to strategically grow and protect your hard-earned wealth. As the markets (and your life) change, our process will keep us connected so we can stay confident about how your wealth is being managed.

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Portfolio Analysis

Investment Strategy

Retirement Income Planning

Risk Adjusted Growth

Account Type Education

Second Opinions

Wealth Management – Part of A Harmonized Strategy

Wealth Management is foundational to your financial and retirement plan, but it is likewise impacted by other pieces. Like an orchestra playing beautifully, we want to help bring each financial element together like a conductor who brings the instruments in at just the right time and keeps everything coordinated.

During our planning process, we will look at seven service pillars and follow a process of Discover→Design→Deploy to build an intentional plan aligned with what matters most to you. We call this process the Harmony FORMula.

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Independent Advisors

We’re not beholden to any one company, so we can truly give you objective analysis.

Professional Partnerships

We work closely with our home office partner on complex cases to make sure we’re doing what’s in your best interest.

Your Team

As your financial advisor, we will work with anyone else on financial team. With your introduction, we’ll happily work with your CPAs, Attorneys, etc.

Do you work with clients who already have investments?

Yes, we can work with clients who already have investments. As needed, we may move your investments (not necessarily holdings) to a new account, but whether we can or should depends on a variety of different answers, which we’ll discover as we walk through our planning process.

Can you help manage my 401(k)?

Not always – but more plans today are allowing advisors like us to help manage the funds through a Self-Directed Brokerage Account option. In most cases we cannot directly manage 401(k)s, but we can at least help you evaluate what the best options are inside your plan or determine if you are eligible to roll over any funds to an Individual Retirement Account (IRA) that we are able to manage. So don’t hesitate to ask us and we can find what is best for you!

What services are included in your wealth management approach?

We evaluate your current holdings for risk, performance, and cost structure, provide alternative recommendations when appropriate, and manage your investments on an ongoing basis—making adjustments as needed.

Are you fiduciaries?

Under specific circumstances, yes. Our Fiduciary Commitment explains how we are dedicated to acting in your best interest when managing retirement assets or making recommendations on qualified accounts.

What makes your wealth management process different from other advisors?

We build and manage our own proprietary Harmony models while also leveraging select third-party strategies. Each portfolio is customized based on your individual goals and objectives to ensure it aligns with your best interests.

How often will my portfolio be reviewed and adjusted?

We review and make adjustments at least quarterly for most clients, while some strategies within our portfolios are updated monthly and others even daily.

Do you provide tax-efficient strategies and legacy planning as part of wealth management?

Yes—through coordinated tax-advantaged strategies and legacy planning as part of our integrated Harmony FORMula. We also work in collaboration with qualified tax advisors/CPAs and estate planning attorneys when necessary. We are happy to work with your preferred professionals, or can introduce to you to one if you do not have one already.

What is the difference between wealth management and financial planning?

Financial planning sets the direction, while wealth management continuously guides your investments within the context of that plan.

What is the minimum investment required to work with your firm?

Minimums vary by account type and planning needs, but we focus primarily on fit, goals, and long-term alignment.

Ready to Build Towards Your Financial Future?

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