Process Driven for Improved Outcomes
For holistic wealth management, a plan is foundational. It’s through a detailed understanding of your entire financial picture that we can predict future cashflow needs, understand income streams and the resulting tax consequences and thus provide guidance around tax mitigation and risk management.
As Certified Financial Planner™ professionals, we follow a structured process to develop your financial plan. We then help you address financial risks and finally will make recommendations on investment solutions in coordination with your CPA and/or legal professionals as appropriate.
To make recommendations on how to best achieve your financial goals with investments, before understanding your entire financial picture, adds unnecessary risk and should raise suspicions.
Avoid the hook end of a sales process from the “advisor” who doesn’t believe in comprehensive financial planning.
ETF Model Portfolios
Direct Indexing (DI)
Direct Indexing (DI) allows the investor to get index like returns while using individual stocks. DI is a newer investment solution aided by advances in technology. DI can be a good choice for clients with specific investing needs including: concentrated positions (too much in a single stock); tax loss management needs, and the goal to invest in alignment with personal values.
Tax Loss Harvesting
It’s not how much you make, it’s how much you take home. As taxes can eat away at investment performance, being tax aware is important, though often a secondary consideration. We have built our toolset and have created the partnerships to provide options for our high net worth clients who need more active Tax Loss Management.
Fees & Hourly Rates
We offer a premium wealth management service with lower than industry average fees. You can see our current rate card here:
Premium Wealth Management at lower than industry avg fees* : https://www.nerdwallet.com/article/investing/how-much-does-a-financial-advisor-cost
Securities and Advisory services offered through Harbour Investments, Inc., Member FINRA/SIPC. Koenig Financial Group AND HARBOUR Investments, Inc. are separate companies. Securities Licensed in (AZ, CA, CO, FL, GA, HI, ID, MA, MI, MO, NV, NH, NY, OH, OK, OR, PA, TN, TX, UT, WA, WI)
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