How I Work
RWM takes the time to get to know each and every client. After conducting a thorough interview and understanding a client’s current financial situation, we will formulate a plan that will allow you to reach your goals. We will monitor your portfolio and make adjustments as your needs change or evolve. Life will always throw curves at us at times and no plan is ever perfect, but we strive to put our clients in a position where they can handle the unexpected events that the markets and life throw at us so that they can enjoy life to the fullest and become financially independent.
1. Investment Advice and Portfolio Planning
At RWM we realize each client is different. Clients have different goals, risk tolerances, income needs, tax situations, etc., but everyone wants to know that a competent financial professional with a proven track record is overseeing their portfolio. RWM will build a custom portfolio that meets your goals and income needs. RWM doe not use third party money managers like many other advisors and firms do. We actually do the portfolio planning in house.
2. Retirement Income Strategies
Many retirees spend a lifetime saving and investing, but have no idea how to construct a portfolio that is ideal for taking retirement distributions once retirement arrives. At RWM we specialize in helping clients preserve as much of their principal during retirement while using traditional as well as alternative investments to maximize their income stream.
3. Protection Planning
One of the most important but often overlooked parts of a sound financial plan is protection planning. Without the right amount and type of insurance, all of your savings and investments can quickly be wiped out if the unexpected occurs. RWM provides a detailed evaluation of your insurance needs and makes sure there are no gaps that can lead to trouble down the road.
4. Tax Planning
RWM is highly skilled at making sure you keep as much of your hard earned investment dollars as legally possible. By using tax efficient investing techniques and offsetting gains with losses at the appropriate times, we strive to maximize your earnings and minimize your tax liability.
5. Estate Planning
Making sure that you leave a legacy and transfer your hard earned assets to your loved ones and not Uncle Sam is one of our main goals. We work closely with your estate planning attorney to help keep your assets in your family.
