Our Approach

  1. Establish a plan
  • Have personal, time-bound goals and measure progress
  • Have a planned approach to market events
  • Establish both short-term and retirement reserves
  • Make targeted investments
  • Plan for liquidity needs and retirement income distribution
  1. Coordinate all assets across the balance sheet
  • All assets play a specific role regarding returns and income
  • Your strategic financial planning is coordinated and holisitc
  • Integrates Risk Management, Wealth Accumulation and Wealth Distribution strategies
  1. Multiple layers of diversification
  • Risk: Aggressive vs. Conservative
  • Liquidity: Liquid vs. Illiquid
  • Geography: US vs. International
  • Company Size: Large, Mid, Small
  • Style: Growth vs. Value
  • Strategy: Active vs. Passive
  1. Compress fees and taxes
  • Examine unnecessary costs 
  • Increase efficiency
  • Apply tax-efficient strategies
  1. Integrate investment and insurance products
  • Utilize the most efficient products across the market
  • Potentially increase yield
  • Increase retirement income
  • Increase legacy
Infographic of a pyramid divided into 4 parts surrounded by circular arrows

  • Look at where you are today

    Your plan will help you make the most of what you already have, no matter where you're starting from, and give you a snapshot of your financial big picture.

  • Identify where you want to go

    Whether it's shorter-term goals like managing your debt, or longer-term ones like saving for a new home, or retirement, your financial plan will show you how you're tracking, help you understand what's working, and point out any gaps you might have.

  • Put together range of options to get you there

    Looking across all your goals, you'll get personalized recommendations and strategies to grow your wealth while making sure everything's protected. And I'll help you determine the right moves to make today and later on. Your financial plan is based on your priorities. As those priorities change throughout your life, we'll shift the financial strategies in your plan, too-so your plan stays flexible, and you stay on track to consistently meet goal after goal.

Our Planning Process

Whether you’re just starting out, well on your way to living your dream or eagerly approaching retirement, make sure you’re financially prepared to achieve a lifetime of goals. We can help you reach them with a personalized financial plan.

Our team will apply time-tested strategies, providing education and expert advice to help you make decisions based on your priorities. And as your circumstances and priorities change over time, we’ll work with you to revise your plan so you can meet each of life’s challenges head on and celebrate your accomplishments along the way

Our Northwestern Mutual financial planning process involves four steps:
  1. Identify your goals. First, we’ll make sure we understand what’s important to you and your loved ones, where you are today and where you want to be in the future.
  2. Develop your personalized plan. We’ll then analyze your financial situation and develop recommendations that can help you and your family achieve financial security.
  3. Implement your strategies. Together, we’ll bring your financial plan to life with proven financial products and quality solutions.
  4. Review your plan. Even small changes in your life can impact your financial plan. We’ll help you adjust your plan as needed to stay on track.

And although your financial strategy will be unique to you, we’ll ensure that it’s built on a solid foundation to help you protect against the unexpected, accumulate wealth and preserve what you’re working so hard to achieve.

If you’re a business owner, we recognize there’s no separating the goals you have for your family and the goals you have for your business. That’s why we offer a process that addresses both, allowing you to create a competitive business advantage and live the life you envision.

You’ll be supported by a team of experts who specialize in business planning – such as employee benefits, insurance and exit planning – alongside those who specialize in personal financial planning and estate planning.

Extensive experience in in helping physicians and entrepreneurs think through ideas and strategies unique to them:

  • Managing student loans
  • High income tax-efficient strategies
  • Overcoming shorter time horizon to save for goals after residency or opening a business
  • Strategies during lower income periods:
    • Residency
    • Buying into a private practice 
    • Starting a business
  • Strategies for growing and maintaining real estate holdings 
  • Structuring long-term disability for specific medical practice 
  • Efficiently running a private practice or privately held business
  • Private practice exit strategies

 

 

 

 

Social Responsible Investing

There's no need to feel torn between your beliefs and your financial future. Northwestern Mutual Investment Services offers Socially Responsible Portfolios which focus on Environmental, Social, and Governance, i.e., ESG, factors.

Socially responsible investing (SRI) is an investment philosophy that seeks a financial return while also focusing on environmental, social, and governance issues.

The main strategy of SRI is to identify companies that are both attractive investments and are focused on positive impact for the good of humanity. This investment approach evaluates a company's financial standing along with the underlying environmental, social, and governance impacts of its operations. For example, companies that reduce pollution, use green energy, offer a good working environment, promote diversity within the workplace, or sponsor community development receive higher Environmental, Social, and Governance (ESG) ratings than companies that do not.

You can find more information about ESG Investing using the following link:

https://www.northwesternmutual.com/life-and-money/what-is-esg-investing/

 
ESG