Our Approach

"The future favors those with foresight"

Every piece of a financial plan needs to have a purpose behind it. It’s common for our clients to have accounts, and have done a great job saving, but there’s no rhyme or reason for what they’re doing. Instead, we take the philosophy "every dollar has a job” literally. Whether a dollar is to be spent on a vacation, or saved for retirement, we feel it's important to have a clear understanding of what our money is supposed to be doing. 

Financial Planning Mountain

 Here are the common areas where we work with clients

Retirement Planning:

  • Educate on strategies for tax-efficient savings and distribution strategies
  • Evaluate lifestyle needs centered around various retirement planning strategies, such as income and variable annuities, pensions, qualified retirement plans like 401(k) or 403(b), stock options/equity compensation, and Social Security analysis
  • Advisor coordination for clients retiring before Medicare to assist with health insurance needs

Investment Management:

  • Construction of portfolios aimed at optimizing tax efficiency, tailoring risk levels and designing asset allocation to align with client income needs and investment horizons
  • Implement a systematic approach designed to reduce emotional bias and promote regular portfolio rebalancing

Insurance Planning:

  • Review insurance needs for life, disability, and long-term care
  • Advisor coordination for clients’ property & casualty insurance to help ensure adequate protection
  • Provide explanations and guidance on insurance terms, benefits, and conditions to help families make informed decisions regarding their goals

Tax Strategies:

  • Provide analysis of present and future tax liabilities
  • Access to Northwestern Mutual sophisticated planning accountants for help on key concepts such as business succession planning, charitable giving, individuals with special needs, and unique tax issues
  • Implement strategic asset placement and ownership structure with guidance from clients’ attorneys and accountants centered around family goals
  • Include education funding goals, such as 529 accounts and UTMA investments

Estate & Legacy Planning:

  • Assist in seeking opportunities for estate tax reductions through an analysis of current and future scenarios
  • Access to Northwestern Mutual sophisticated planning attorneys for help on key concepts such as trust services, consultations, legal document analysis, and asset protection
  • Develop wealth transfer strategies tailored to family goals and circumstances aiming to provide multigenerational planning solutions
  • Audit estate plan, along with conducting family meetings centered around wealth transfers

Business Planning:

  • Produce company benefit analysis and coordinate, buy-sell agreements, group insurance, and bonus plans to help retain key employees
  • Run audits for existing retirement plans and offer 401(k) plan services
  • Aid in strategic decision-making processes for business owners exit & succession planning

 

Financial Representatives and Advisors do not render tax advice. Consult with a tax professional for tax advice that is specific to your situation.

Northwestern Mutual does not provide all of the products or services listed in the above graphic. Your advisor may help you coordinate with third parties who provide products or services not offered by Northwestern Mutual.