Investment Management Strategies
Proper asset allocation is an important component of any financial plan, but there’s more to investing than achieving the highest possible return. We believe your investments should work alongside your overall financial plan to help you achieve your goals, which is why your financial plan serves as the foundation of your investment strategy.
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Your specific goals help us identify your liquidity needs, risk tolerance, legacy wishes, retirement income requirements and investment timeframe. Using this information as a framework, we develop a diversified portfolio to help guide you toward achieving your dreams.
Your portfolio is diversified across asset classes and incorporates cash, fixed income, equities and alternatives as appropriate based on your current financial situation and long-term objectives. Our open architecture approach allows us to incorporate multiple asset managers and a variety of vehicles including individual securities, mutual funds, separately managed accounts and exchange-traded funds (ETFs). Throughout the allocation process, we remain focused on reducing expenses and tax liabilities within your portfolio.
Once your asset allocation is established, we continuously monitor and adjust your investment mix to help ensure it continues to meet your needs as your life and financial situation evolve over time.
Retirement Planning
You’re never too young to start planning for retirement. We help you develop a comprehensive retirement plan that works alongside your overall financial plan and investment strategy to give you the best possible chance of achieving your retirement goals.
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As you near retirement, we gradually shift your portfolio from growth-focused to income-focused. Once you have retired, your retirement income strategy kicks in to cover your monthly expenses. We revisit your strategy on a regular basis and make adjustments to account for your changing needs in retirement.
Financial Planning Services
We take a comprehensive approach to wealth management by incorporating all aspects of your personal financial life into a single financial plan. This financial plan serves as a blueprint to help us build out the services and support that will guide you toward achieving your goals.
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Based on your specific needs, your custom financial plan may include asset allocation, education planning, retirement planning, estate planning, education planning, tax planning and more.
Once your plan is in place and working for you, we revisit and reevaluate it on a regular basis to help ensure it continues to meet your needs as your life and goals evolve over time.
Estate Preservation
At TFB, we understand that planning for the future is about more than securing assets for your lifetime – it’s also about leaving a legacy for the people and causes that matter most to you. That is why we incorporate estate planning strategies into each client’s overall financial plan.
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We partner with your attorney to build a custom estate plan that is in line with your overall financial and legacy goals. We help ensure you have the necessary documents and protections in place to leave a lasting legacy while minimizing estate taxes.
Retirement Income Strategy
A retirement income strategy can help you feel confident that you will be able to maintain a comfortable lifestyle in retirement. Driven by your goals, we develop custom retirement income strategies to meet your needs.
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We implement a variety of strategies to establish a steady stream of income that will last throughout retirement. We also help ensure your Social Security payments are properly enhancing your overall retirement income stream.
Long Term Care
If not properly planned for, long-term care expenses can quickly erode your retirement savings. While we all hope to live long, healthy lives with little need for medical intervention or intensive care, it’s important to plan for the unexpected.
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Long-term care insurance helps pay for the expense of a nursing home, assisted living facility or home healthcare provider, but it can be difficult to know if a long-term care policy makes sense for your specific situation. If you wait too long to implement coverage, you might not qualify. On the other hand, if you implement a policy too early, you may be making premium payments longer than necessary.
We help you prepare for long-term care expenses and identify coverage options that make sense for your family and are in line with your goals and overall financial situation.
Education Planning
If you have a goal of funding higher education expenses for a child or grandchild, it’s important to have a plan in place. We can help you implement a custom savings strategy that minimizes taxes and maximizes your ability to offset rising tuition costs.