Wealth Management Services

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your risk tolerance. We listen to your concerns and aspirations to provide services tailored to your unique circumstances. Long-term relationships that encourage open and honest communication have been the cornerstone of our foundation of success.

Because families, goals, and lives change we take the approach that financial planning is an ongoing dynamic process. We review and adjust your plan throughout the year. We can guide clients making important and complicated decisions today by understanding your long-term picture and how today's decisions could impact your financial future.

Investment Planning

Investment Planning

Looking at your holistic plan allows us to make better choices when implementing your investment strategy. We review your asset allocation between all your assets even if they are not under our management. This gives our clients more clarity on the level of risk, the potential return on their total portfolio, and if they are taking the required level of risk to work towards the goals in their financial plan.

  •  Sensible Selection of Managers
  •  Tax Awareness 
  •  Risk Tolerance
  •  Risk Capacity
  •  Re-Balancing
  •  Asset Allocation
  •  Diversification
Estate Planning

Estate Planning

Your BWM advisor will work with your attorney to create and implement a plan that can help provide for you and your family. It is important to have a plan in place for your family so they have clarity of your wishes for your estate.

  • Family Gifting Strategy
  • Asset Ownership and Titling
  • Maximize Wealth Transfer
  • Review Estate Objectives
Retirement Planning

Retirement Planning

We often get the question "how much money do I need to retire?" We help answer that question by running various cash flow scenarios. We provide personalized advice on social security, cash flow, Medicare, and retirement date planning. Your BWM advisor will show you if you're on track for retirement.

  • Types of Retirement Accounts 
  •  Asset Allocation and Diversification 
  •  Portoflio Management
  •  Planning for Longevity
  •  Beneficiary Review
  •  Net Worth Review
  •  Cash Flow Analysis
Tax Planning

Tax Planning

We review your tax return to see if you're maximizing your deductions. Is Roth Conversion good for you? Your required minimum distribution at retirement could put you in a higher tax bracket. Planning now and running side by side tax projections can help us plan to reduce future taxes. Although we are not CPAs or accountants we take action now while reviewing your plan to help avoid future taxes.

  • Tax Gain - Harvesting
  • Tax Loss - Harvesting
  • Roth Conversion
  • Tax Efficient Investment
  • Back Door Roth IRA
  • Gifting - Which Account Should I Gift From?
  • Which Account to Spend from First? 

*This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Retirement Income

Retirement Income

Your BMW advisor will help you set up a monthly check coming from your accounts. We review your pension and social security benefits to fit your income needs all while taking taxes into consideration.

  • Social Security Analysis
  • Pension Review
  • Income Distribution Analysis
  • Maximize After Tax Income
Life Planning

Life Planning

You have worked your whole life and now it is time for your money to work for you. Your BWM advisor can help prioritize your life's dreams and develop a plan to work towards your goals. Getting the most out of your money can be improved by understanding the interrelationship between your financial decisions and your quality of life.

  • Goal Setting
  • Prioritizing
  • Help to Address Your Wishes
  • Financial Quality of Life
  • Long Term Care - Do you Have a Plan?

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