Financial Planning
As a fiduciary advisory firm, we put your best interests first as we work to develop a comprehensive financial plan to help chart a course toward your goals. This personalized financial plan guides all decisions going forward. It accounts for your current financial situation, future goals and any challenges you may face in pursuit of those goals.
Based on your specific needs, your financial plan may include any combination of the following strategies: 123
-
Cash-flow Management -
Employee Benefits Review -
Tax Planning -
Equity Compensation Strategies -
Retirement Planning -
Estate Planning -
College Planning -
Collaboration
We view your financial plan as a dynamic document that must be regularly updated as your life and financial situation evolve over time. That’s why we meet with you on a regular basis to evaluate progress toward your goals and identify any changes necessary in order to keep up with your changing financial life.
Retirement Planning
As you near retirement, you may begin to wonder:
- Have I saved enough to last a lifetime?
- Will I be able to achieve my lifestyle goals?
- How will I turn my savings into a monthly stream of income?
- How can I ensure I don’t outlive my savings?
- When is the best time to begin taking Social Security?
- Will my loved ones be okay?
At Crest Wealth, we understand your concerns and strive to answer all of your questions. You only have one chance to retire, and we understand how important it is to get it right. That’s why we take all aspects of your financial life into consideration as we develop a custom retirement plan to meet your needs and achieve your goals.
As retirement nears, we make adjustments to your portfolio to position it for generating a monthly income stream. We also conduct a thorough review of your current savings, pensions, Social Security and other potential sources of income. Once we have a firm grasp of your situation, we establish a tax-efficient income strategy that takes into account your retirement goals, marital status, monthly income requirements, legacy goals, life expectancy and more.
Our goal is to provide you with the confidence of knowing you are prepared for a comfortable retirement.
Tax Planning
Our tax planning work helps to keep more of your hard earned money today and into retirement. We do this though:
-
Annual Tax Return Review
-
Tax-efficient Saving Strategy -
Asset Location -
Charitable Giving -
Tax-loss Harvesting
As you near retirement, we help you establish a tax-efficient investment and distribution strategy with a specific focus on:
-
Tax Bracket Planning -
Retirement Income Coordination -
Roth Conversion Analysis -
Medicare Planning
Investment Management
A good investment strategy works in alignment with your financial plan.
We create your personalized investment policy statement which is our guide for building a diversified portfolio aligned to your needs. We consider all of your accounts as we develop a tax-efficient, low-cost investment allocation to pursue your goals.
We serve as an independent investment advisor, which means we are not tied to any specific investment products or companies. Our independence allows us to evaluate the entire investment universe. Our primary investment vehicles are active and passive Mutual Funds and ETF’s.
Our investment management services include all research, trading, rebalancing, reporting, handling account opening and deposits/withdrawals, retirement account funding and more.
Characteristics of our investment approach include:
- Creating an asset allocation aligned to your risk tolerance and financial goals
- Maintaining a long-term, disciplined investment approach – No market timing
- Diversifying across asset classes, sectors and geographical regions
- Building a low-cost portfolio to keep more money in your pocket
- Investing in a tax-efficient manner
- Opportunistically rebalancing to maintain your desired allocation and risk level