Investment Management
Our investment management process focuses on developing a customized and tax-efficient portfolio, while taking on the least amount of risk possible to accomplish your goals. We create a personalized Investment Policy Statement (IPS) for each client that acts as a blueprint for how your money should be managed and lays out long term expectations. Your financial plan informs your customized investment strategy.
- Asset Allocation
- Development of Investment Policy Statement
- Asset Location for Tax Efficiency
- Manager and/or Security Selection
- Risk Mitigation
- Probability of Success Analysis
Retirement Accumulation
Accumulation involves calculating your “magic number” that you need to hit in order to become financial independent so that you work because you want to, and not because you have to. It also answers the question of how much to save and where to save it.
- “Magic Number” Calculation
- Earmarked Dollars For Special Savings Goals
- Where to Save & How Much
- Self-Completing & Savings Risks
- Stock Options & Awards
- Benefits Review & Selection
Distribution Planning
Develop reliable sources of retirement income that are designed to maintain your lifestyle on an inflation adjusted basis. In other words, we want to make sure that you continue to get a raise during your retirement years so you can maintain your accustomed lifestyle. At the same time, we will quantify various risks and potential challenges so we can properly plan for them.
- Income Sources Breakdown
- Confirming Expense Need
- Order of Income Source Usage
- Taxes & Inflation
- Timing of Distributing Income Sources
- Healthcare Issues
Estate Planning & Asset Protection Strategies
Develop a values-based lifetime strategy seeking to first protect your assets for your personal enjoyment, while subsequently structuring the ultimate distribution of your wealth to whom you want, when you want, and in the manner you want, while minimizing taxes and delays on the ultimate transfer.
Explore the best ways satisfy your charitable, financial, social, and personal goals whether publicly or privately. This involves selecting the best assets to gift coupled with the most appropriate time and technique in order to create the most positive impact, and to potentially maximize your tax savings.
- Legal Document Review & Design
- Lifetime Family Gifting Strategies
- Asset Titling & Beneficiary Designations
- Coordinating Generational Wealth Transfer
- Calculate Tax Liability & Potential Savings
- Charitable Giving and Social Impact
Waters Wealth Consultants and LPL Financial do not offer legal advice or services.