woman's hand making list of plansOur Services

Serving retirement investors with $500k+ in investable assets. Your plan is our roadmap as you move through the different wealth phases of Creation, Growth and Distribution. Rest assured that you will have a proactive accountability partner who will give you the time you deserve to fully understand your financial and life goals. This collaborative and ongoing planning process was designed to give you your time back and help you take control of your financial future. 

 

Investment Management 

Investment portfolios shouldn’t be cookie cutter. You will have custom built portfolios that are designed to align with your financial goals and managed tactically to adapt to your needs as well as changing market conditions.

Retirement Planning

Our goals-based planning approach helps you to navigate myriad options to include employee benefit plan options, retirement income strategies, early retirement withdrawal options, rollovers and Roth conversions, working part-time or full-time into retirement and social security strategies.

 

Distribution Planning

There are multiple potential beneficiaries of your money that can range from people to charities. If timely and pertinent updates are not done after a life event or estate planning update, it is possible that your savings could also end up with an unintended beneficiary. By determining what is most important to you, we help you pass your money to your intended beneficiaries through gifting strategies, proper beneficiary titling and estate planning strategies.

Life Events

A life event can take many forms like a job/career change, divorce or marriage, the sale of a business, death of a spouse, to inheritance from the death of a loved one. These changes can have a major financial impact as well as tax implications. Having a financial planning partner there to help you through potential emotional decisions can help you feel more at ease and be a good steward as you navigate through the changes in your life.

 

Risk Management

A proper plan isn’t whole until potential risks have been identified and mitigated. Managing risk can range from proper diversification in your portfolios, to having insurance to cover gaps where it is needed, to having the right estate planning documents in place.

Concentrated Positions

Having a large position in one stock can create wealth, but can also create significant losses. Maybe you worked for a company and invested directly or you inherited a stock. Whatever the case may be, having a diversification strategy is key to reducing the risk of potential losses by having all your eggs in one basket.

 

Tax Strategies

Taxation can have a big impact on your financial outcome and tax laws are complex and can change often. We help you navigate tax planning decisions to include Roth conversions, how to have tax diversification, tax efficient investing, to gain and loss harvesting.

 

Schedule a Consultation

 

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.
Diversification does not protect against market risk.
Sapphire Wealth Management and LPL Financial do not provide tax or legal advice.