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My Approach
My specialty is integrating lifetime tax planning into financial plans and helping families pass wealth to the next generation in a thoughtful, tax-efficient way. Taxes are your largest life expense, and should be planned.
The Clients I Serve
Business Owners, GenX, High Earning First Generation, Pre-Retiree, Retirees or Seniors, Women & Female Leaders, Working in Retirement
Major Milestones I Specialize In
Caregiving for Aging Relatives, Death in the Family, Divorce Planning, End of Life and Legacy Planning, Funding Education, Retirement Planning, Starting a Business, Sudden Wealth or Inheritance, Widowhood
Our 7 Steps to Financial Planning
Certified Financial Planners have a proven blueprint for success—but your planner builds it entirely around you.
Summarized from the CFP® Board's Practice Standards. cfp.net
My Process
I work best with clients who want an ongoing relationship that brings their investments, retirement, taxes, estate planning, and risk management together. We: • Specialize in income tax planning over your lifetime, not just in a single year. • Coordinate with your estate planning attorney and insurance advisors on life and long-term care coverage • Connect you with trusted health insurance and Medicare specialists when it's time to choose coverage • Offer individual and trust tax return preparation through a related CPA firm, Jennifer L. Climo CPA PC, for financial planning clients only. • Manage your investments as one coordinated household portfolio. Managing your assets directly lets us: • Act on our recommendations efficiently • Rebalance strategically and time Roth conversions around market movements • Coordinate tax and investment decisions in one place • Provide access to institutional funds and separately managed accounts • Keep beneficiary designations aligned with your estate plan • Provide continuity for your spouse or family in the event of incapacity or death Financial planning changes as your life does. We typically meet twice a year to review and update your plan, as well as corresponding throughout the year (especially during tax season). We are fee-only and charge assets under management fees for our services. We have a minimum annual fee of $10,000 per year, but no minimum AUM requirement. Clients may be charged an annual planning fee billed monthly in addition to AUM fees based on complexity and other factors.
Disclosures
This material is provided for informational purposes only and does not constitute investment, tax, or legal advice. It is not a recommendation or solicitation to buy or sell any security, insurance product, or investment strategy. Past performance does not guarantee future results. All investing involves risk, including the possible loss of principal. Tax and legal matters are outside the scope of this engagement; consult your attorney, accountant, and other qualified professionals before making financial decisions. Additional information about this financial professional, including registration status and disciplinary history, is available through FINRA BrokerCheck and the SEC Investment Adviser Public Disclosure website.