The planning process begins by asking thoughtful questions and listening attentively; the Alpha Team then analyzes the information and creates a plan unique to the client’s situation. Since our goal is to provide guidance over a lifetime, we also assist with implementation and proactively monitor each plan to help clients move toward their objectives.
We establish your preference for risk and review your existing portfolio. Alpha will recommend as asset allocation consistent with your risk preference, giving due consideration to short and long-term goals, income tax impact on the portfolio, and cash flow needs.
Income Tax Review
We review the details of your current income tax return and, when possible, make recommendations that could reduce taxes in the future. Your tax analysis will be incorporated into your investment, cash flow, and retirement plan recommendations with an eye towards tax efficiency.
We review your cash flow projections and help your determine your pre-retirement savings rate (if applicable) and your retirement budget. We also prepare a net worth statement and analyze the various components. This provides a clear snapshot of your current resources, and we can address diversification and tax implications.
We prepare and analyze a net worth statement to provide a clear snapshot of each client’s current resources, so we can address diversification and tax implications.
We analyze future education costs for our clients and their family members (if applicable) and discuss the most effective way of funding these goals.
Risk Management Review
We review all of your insurance policies to determine if any changes need to be made to existing policies. We assess any areas where you are not adequately mitigating risk and suggest appropriate solutions depending on your circumstances.
Estate Planning Review
We discuss your current estate plan and existing documents and coordinate this step with your estate planning attorney as needed. The goal is to ensure your estate plan is designed to meet the goals and objectives for your family members after thoughtful consideration of your family’s situation.
Regular Plan Review & Updates
In order to keep plans on track, we believe in ongoing communication, education and collaboration. With you, we develop a custom communication schedule in order to provide support during life changes as well as necessary planning updates. Your online Wealth Portal will serve as an easy-to-use platform to manage your accounts and important documents in one convenient and secure location.