Our Clients
They share goals and expectations which are compatible with the Integrated Wealth Management philosophy. They come to us for unbiased financial advice. They are not comfortable working with an advisor who stands to benefit from the sale of a specific investment or financial product. They do not believe computer models and off-the-shelf asset allocation programs will serve their personal needs.
They come through referrals from trusted friends and other advisors. And while they generally come with significant assets to invest, they come at all stages of their lives. At Integrated Wealth Management they find advice that is customized and relevant. They are not looking for a cookie cutter approach. Over the years we have built close relationships based on trust, in many cases working with multi-generations of families. Circumstances may change, but because we know our clients well, we can help keep their financial plans on track through changing hopes and dreams, successes and challenges.
We serve many different clients, each with specific long-term goals and issues. Our depth of expertise and breadth of experience assures we can competently and comprehensively serve our clients.
A Retired Couple
This client is living largely from their investment capital. They need a portfolio that grows enough to shelter them from the risk of inflation, but with down-side risk strictly controlled. Estate planning issues often influence the structure of their accounts.
A Couple Planning For Retirement
This client has a few years before retirement. Their portfolio is more growth oriented. Since they will not need access to their capital now, more portfolio volatility is tolerable. We also help them choose from among the investment options of their employer retirement plan. As they approach retirement, key issues start to change. At this time, they need to take another look at their retirement and estate plans.
A Recent Widow or Widower
These clients look to us for support in several ways. This client usually has limited investment experience and is going through an emotionally challenging time. We may invest in a very low-risk "comfortable" portfolio until we have time to go through an educational process about investing. As he or she becomes more knowledgeable and emotionally ready, we gradually change the structure of the portfolio to meet his or her long-term objectives.
A Business
We are assisting this client in the management of their retirement, pension and benefit package. These clients are focused on establishing affordable strategies to attract and retain valuable employees. In implementing these strategies they are concerned with employee financial education. In some cases contingency planning and business succession planning is appropriate.
The Suddenly Wealthy
This client is extremely busy and may be relatively young. Things are happening fast in their life, and they need a "personal CFO" to manage their new-found wealth and determine how hard they must make their portfolio work. Depending upon their lifestyle and financial goals, this client usually desires comprehensive financial counsel in order to be able to pursue other interests.
Trustee of A Family Trust
Recent changes in federal fiduciary statutes require trustees to conduct investment affairs with substantial experience. A client comes to us because he or she is the trustee for a recently deceased relative or friend, administering significant assets on behalf of multiple beneficiaries. We help create an investment policy designed to protect the trustee from investment liability and enable them to manage the trust funds based on an assessment of the needs of all beneficiaries.
A Married Couple with Young Children
Often we wait till we have a family to think "long term". Responsibilities like college educations suddenly become top priority. This client comes to us to help them fit "saving for college" into their budget. We start talking about retirement planning too because the earlier you start saving the easier it is to accumulate the nest egg you need to live a financially independent life.