Financial Planning
Onboarding​
- Assess client risk preferences and liquidity needs
- Determine account structure: investing, liquidity, joint, qualified, custodial, UTMAs, etc.
- Create risk models to include internal and external client assets*
Account considerations
Evaluate existing, appreciated positions and when to realize capital gains
Appropriate saving and spending policy using proprietary simulation tool
Assess pros and cons of tax-loss harvesting
529 allocations
Financial planning
Roth conversions
When to take Social Security
Evaluate benefits of bespoke savings plans
Which account to spend from in retirement (qualified, non-qualified, etc.)
Valuation and exercise of stock options
Pros and cons of taking or paying down mortgages
Giving strategies
Portfolio construction
Construct portfolio customized to client risk preference, liquidity, and life cycle needs
Ensure portfolios reflect institutional constraints (e.g., security restrictions)
Evaluate external investments (private and public)
We regularly revisit and update these assessments through ongoing conversations with clients.