WEALTH MANAGEMENT SO YOU CAN FOCUS ON WHAT MATTERS MOST
We bring together comprehensive financial planning, proactive investment management, accountability, and execution so that you can confidently enjoy the journey and arrive at your many destinations throughout life.
have you outgrown your investment-strategy-only approach?
Many advisors are focused only on the buildup of investment assets. However, your goals and financial life are more than just the portfolio. For us, wealth management is complexity management: cash flow, retirement strategy, risk management, tax strategy, equity compensation, and estate planning can either be a tangled web, or they all can work together to give you confidence.
Wealth management does not only include what shows up on the spreadsheet. During our work together, we will help you determine what gives you peace of mind, how you prioritize resources for yourself vs. for others, and how to create options for when things inevitably change.
We look to understand the entire picture of who you are, who is important to you, what you want life to look like, what type of risk you want to take, and where you are. We hope to show you what is possible and what it takes to reach the opportunities in front of you.
how does wealth planning with doncaster wealth work?
Initial Planning
Move from uncertainty to clarity and confidence.
Your viewpoint: Take a little time off the treadmill of life to discuss who you are, who is important to you, where you want to go and what you want to do.
Financial Organization: By knowing where things are, you can make better decisions, and your financial life can make much more sense. This alone will bring an immense sense of relief.
Cash Flow and Spending: There is no one-size-fits-all for cash flow. We will help you spend and save the right amount monthly, quarterly, and annually, and in the right cadence for your life.
Investment Strategy: Your investment strategy should be cohesive, tax efficient, and take on the appropriate level of risk. We will help you make sure your strategy is exactly as it should be.
Risk Management: We’ll identify and help you correct blind spots and reduce risks to your goals.
Your New Trajectory: From your plan, we’ll develop recommendations to help you know your options for the future, decide and act accordingly.
The To-Do’s and Accountability: Know the actionable steps needed to help you reach your goals. We can help you ensure that you get things done.
Ongoing Planning
With your initial plan in place, we transition into an active ongoing relationship to help you see beyond the bends, and continue to make good decisions.
Investment Management
Portfolio construction
Your money should work as hard as you do (or used to!).
Strike the right balance between long term growth to beat inflation, and preservation and income for shorter term goals.
Global diversification to help
Cost efficiency: we use passive indexes where appropriate, and cost-effective active where there are opportunities.
Tax-focused management: not only what you make, but what you keep. We make sure you use everything available to you:
Tax-loss harvesting
Tax-smart re-balancing
Strategic asset location
Tax-aware withdrawals
Tax-focused concentration planning
Additional strategies where appropriate (exchange funds, 351’s, Long/Short, etc.)
Re-balancing and Monitoring
What worked last year might not work this year. We maintain the appropriate level of risk in the correct buckets to help you achieve what is possible.
We are focused on your portfolio across the board. Re-balancing your account here can depend on how your employer 401(k) is invested.
We maintain a focus on re-balancing as tax-efficiently as possible.
Financial Planning
Continuous planning: we let you know what’s going on with your wealth and plan, and you keep us updated on where life is going.
Retirement/education/goals planning: always know where you stand in relation to your goals, and your options for making changes.
Equity compensation: maximize the potential of your Options, RSUs, and ESPPs while managing appropriate risk.
Charitable giving strategies: help the organizations you care about, maximize the tax code, and don’t miss deadlines.
Cash flow and liquidity planning: know where dollars are going and how much liquidity you have at any time.
Tax planning: Reduce your lifetime and generational tax bill, reduce what you can each year, and eliminate surprises.
Big decisions: buying a new house vs. remodeling, new job decisions, private school vs. public school, health insurance. We can give you a second set of eyes and ears.
Any-time Availability
Unlimited questions, calls, emails: we are here when you need anything.
No dumb questions!
Reminders to get things done.