Comprehensive Wealth Management Services

Your Financial Life Deserves Expert Coordination

Wealth management extends beyond portfolio returns. Our integrated approach addresses every aspect of your financial life, from optimizing tax efficiency to structuring legacy plans. We serve as your dedicated financial quarterback, coordinating with your existing advisors while providing strategic guidance based on decades of experience serving high-net-worth clients. Our personalized service model ensures you receive attention tailored to your unique circumstances, goals, and values.

Portfolio Management

Active investment oversight and strategic allocation

Tax Planning

Minimize tax burden through strategic decisions

Estate Strategies

Preserve wealth across multiple generations

Retirement Planning

Sustainable income throughout your lifetime

🎯 Core Wealth Management Services

Our comprehensive suite of services addresses every dimension of wealth creation, preservation, and transfer with meticulous attention to detail.

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Strategic Investment Management

Our investment management process begins with understanding your complete financial picture, risk tolerance, and long-term objectives. We construct diversified portfolios using institutional-quality research and disciplined asset allocation frameworks. Your portfolio receives continuous monitoring and rebalancing to maintain target allocations while capitalizing on market opportunities. We provide transparent reporting with detailed performance attribution so you understand exactly how your investments are performing.

Beyond traditional stocks and bonds, we offer access to alternative investments including private equity, real estate partnerships, and hedge fund strategies typically reserved for institutional investors. Our investment committee meets quarterly to review economic conditions, market trends, and portfolio positioning. You receive proactive communication about significant market events and how they might impact your holdings, ensuring you stay informed without experiencing information overload.

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Tax-Efficient Wealth Strategies

Effective tax planning can significantly enhance your after-tax returns over time. We implement strategies including tax-loss harvesting, strategic asset location between taxable and retirement accounts, and qualified dividend optimization. Our team coordinates with your CPA to ensure investment decisions align with your overall tax situation. We analyze opportunities for Roth conversions, charitable giving strategies, and timing of capital gains realizations to minimize your annual tax liability.

For business owners, we provide specialized guidance on exit planning, succession strategies, and the tax implications of different transaction structures. Our tax-aware investment approach considers holding periods, dividend treatment, and the impact of state and local taxes on your portfolio decisions. We maintain detailed records for tax reporting purposes and provide comprehensive year-end tax summaries to simplify your filing process. Regular tax planning sessions ensure we capture opportunities throughout the year rather than scrambling at year-end.

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Estate Planning Coordination

Protecting your legacy requires careful planning and expert coordination. We work alongside your estate attorney to implement structures that minimize estate taxes, avoid probate, and ensure smooth wealth transfer to your heirs. Our services include trust funding assistance, beneficiary designation reviews, and coordination of life insurance policies within your estate plan. We help evaluate options including revocable living trusts, irrevocable life insurance trusts, charitable remainder trusts, and family limited partnerships.

Beyond the technical aspects, we facilitate family meetings to discuss your legacy goals and prepare the next generation for wealth stewardship. Our guidance addresses sensitive topics like unequal distributions among heirs, philanthropic intentions, and business succession planning. We monitor changes in estate tax laws and proactively recommend adjustments to your plan as regulations evolve. Regular reviews ensure your estate plan remains aligned with your current wishes and family circumstances, providing peace of mind that your legacy will be preserved according to your intentions.

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Retirement Income Planning

Transitioning from wealth accumulation to retirement requires a fundamental shift in strategy. We design sustainable withdrawal plans that balance your desired lifestyle with portfolio longevity. Our retirement income analysis incorporates Social Security optimization, pension distribution strategies, required minimum distribution planning, and healthcare cost projections. We stress-test your retirement plan against various scenarios including market downturns, inflation spikes, and unexpected longevity to ensure your assets last throughout retirement.

Our dynamic spending strategies adjust withdrawals based on market performance and portfolio values, protecting against sequence-of-returns risk that threatens early retirees. We coordinate Medicare enrollment, evaluate supplemental insurance options, and plan for potential long-term care needs. For clients concerned about leaving a legacy, we structure withdrawal strategies that prioritize heirs while maintaining sufficient income. Regular retirement plan reviews adapt to changing expenses, health considerations, and evolving goals, ensuring your financial security throughout all stages of retirement.

📋 Specialized Planning Services

Additional expertise for complex financial situations requiring specialized knowledge and strategic guidance.

Business Succession

For business owners planning their exit, we provide comprehensive succession planning that maximizes value while minimizing tax consequences. Our services include business valuation coordination, buyer identification strategies, deal structure optimization, and post-sale wealth management.

We help you evaluate options including family succession, management buyouts, strategic sales, or ESOP structures. Our team models the financial implications of different scenarios, ensuring you understand the trade-offs between sale price, tax efficiency, and ongoing involvement. We coordinate with transaction attorneys, business brokers, and tax specialists to execute your exit strategy seamlessly.

Philanthropic Planning

Charitable giving requires strategic planning to maximize impact while capturing available tax benefits. We help structure charitable contributions through donor-advised funds, private foundations, charitable trusts, and direct gifting strategies that align with your philanthropic values and financial objectives.

Our guidance includes selecting optimal assets for donation, timing contributions for maximum tax efficiency, and establishing giving vehicles that involve family members in philanthropic decisions. We coordinate with nonprofit organizations and community foundations to ensure your charitable intentions are implemented effectively. Regular reviews assess whether your giving strategy continues to reflect your evolving priorities and financial circumstances.

Risk Management

Comprehensive risk management protects your wealth from unexpected events. We review your insurance coverage including life, disability, long-term care, umbrella liability, and property policies to identify gaps and eliminate redundancies. Our objective analysis ensures you maintain appropriate protection without overpaying for unnecessary coverage.

For high-net-worth clients, we evaluate advanced strategies including captive insurance companies, asset protection trusts, and liability limiting entities. We coordinate with insurance specialists and legal counsel to implement structures that shield assets from creditors, lawsuits, and other threats. Regular risk assessments adapt your protection strategy as your wealth grows and circumstances change, maintaining comprehensive coverage throughout your financial journey.

💼 The StratInvest Wealth Management Process

Our systematic approach ensures nothing is overlooked while maintaining the flexibility to adapt as your life evolves. Every client relationship follows a proven methodology refined over years of serving affluent families.

1

Discovery and Goal Setting

We begin with in-depth conversations to understand your financial situation, family dynamics, values, and aspirations. This foundation informs every recommendation.

2

Comprehensive Analysis

Our team analyzes your current portfolio, tax situation, estate documents, insurance coverage, and retirement projections to identify opportunities and risks.

3

Strategic Plan Development

We create an integrated wealth management plan with specific recommendations, implementation timelines, and measurable milestones tied to your objectives.

4

Implementation and Monitoring

We execute approved strategies, coordinate with your other advisors, and provide ongoing oversight with quarterly reviews and proactive communication.

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🎖️ Why Clients Choose StratInvest

Our commitment to excellence and client-first philosophy distinguishes us in the wealth management industry.

Personalized Service Model

Unlike large wirehouses where you are assigned to whoever is available, you work with the same dedicated advisor throughout our relationship. Your advisor has full discretion to make recommendations without bureaucratic approval processes, ensuring responsive service when opportunities arise or circumstances change.

Fiduciary Commitment

As registered investment advisors, we are held to the fiduciary standard requiring us to always act in your best interest. We do not receive commissions from product sales and our fee structure is fully transparent, eliminating conflicts of interest that plague traditional brokerage relationships.

Credentials and Experience

Our advisory team holds advanced certifications including CFA, CFP, and CPA designations. With over 150 combined years of experience serving affluent clients, we have navigated multiple market cycles and guided families through every conceivable financial situation. This expertise translates into confident, informed recommendations.

Institutional Resources

Despite our personalized service approach, you benefit from institutional-grade investment research, advanced portfolio analytics, and access to alternative investments typically available only to the largest clients. Our platform provides the best of both worlds: boutique attention with institutional capabilities.

Ready to Experience Better Wealth Management?

Schedule a complimentary consultation to discuss your financial goals

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❓ Frequently Asked Questions

Common questions about our wealth management services and client relationships.

What is the minimum investment required for wealth management services?

Our comprehensive wealth management services typically require a minimum of $500,000 in investable assets. This threshold ensures we can provide the full scope of planning and portfolio management that justifies our service model. For clients with complex situations but lower asset levels, we offer project-based financial planning on an hourly fee basis.

How are your fees structured?

We charge an annual fee based on assets under management, calculated quarterly. Our fee schedule is tiered, with rates declining as asset levels increase, typically ranging from 1.00% to 0.50% annually. Unlike commission-based brokers, we do not receive payments from fund companies or transaction fees from trades. This structure aligns our compensation directly with your portfolio performance. All fees are fully disclosed in our engagement agreement and ADV Part 2 brochure.

Will I have to transfer all my accounts to you?

We prefer to have custody of assets we manage to ensure efficient implementation of our strategies. However, we can work with you on a phased transition if needed. For retirement accounts at former employers or assets with significant embedded gains, we evaluate the optimal timing for transfers. We also provide advisory services on a non-custodial basis for clients who prefer to maintain accounts at their current institutions, though this limits our ability to execute strategies promptly.

How often will we meet to review my plan?

We schedule formal review meetings quarterly to assess portfolio performance, discuss market conditions, and adjust strategies as needed. Between scheduled reviews, we reach out proactively when significant market events occur or opportunities arise. You have direct access to your advisor via phone and email whenever questions or concerns emerge. We also conduct an annual comprehensive review that examines your entire financial plan, tax situation, and estate documents to ensure everything remains aligned with your goals.

Do you work with my existing CPA and attorney?

Absolutely. We view collaboration with your existing professional advisors as essential to comprehensive wealth management. We regularly communicate with CPAs regarding tax planning strategies, coordinate with estate attorneys on trust funding and document updates, and work alongside insurance professionals to ensure proper coverage. This team approach prevents disconnected advice and ensures all aspects of your financial life work together seamlessly. We respect the existing relationships you have built and aim to enhance rather than replace them.

What happens if I need to withdraw money from my portfolio?

Liquidity is an important consideration in portfolio construction. We maintain sufficient cash and near-cash positions to accommodate anticipated withdrawals without forcing liquidations at inopportune times. For planned distributions, we work with you to establish a systematic withdrawal schedule. Unexpected needs are handled promptly with careful consideration of tax consequences and market conditions. We can typically fulfill withdrawal requests within three to five business days, and we help you evaluate the long-term impact of withdrawals on your overall financial plan.

Take Control of Your Financial Future

Experience the difference that comprehensive, fiduciary-level wealth management can make in achieving your financial goals. Schedule a complimentary consultation to learn how our integrated approach addresses every aspect of your financial life.

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