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North Metro 763.355.5873 South Metro 612.987.9112 |
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How Can We Help?
SWA Helps Give You Back Your Time
Pre-retirees have become the most difficult generation to plan for. With the potential for financial issues spanning over 3 or 4 generations, pre-retirees don’t have the time or expertise to properly handle all of the financial aspects of their family’s lives. Planning for your financial future can feel overwhelming, but we work with you to craft solutions that work for you. We offer customized service levels to provide the solutions you need, from Fee-Only Investment Management to Fully Integrated Wealth Management.
Investment Management
Our first duty is to preserve our clients’ wealth and our second is to thoughtfully enhance and grow it. These are not conflicting goals and they can be accomplished utilizing a number of strategies.
We offer strategic portfolios with institutional level investments, designed to achieve your goals. Through our Investment Fiduciary Continuous Quality Management Process we select investments that provide a path to achieve your financial success. Our emphasis is on risk adjusted returns using low-cost index funds.
Our strategic portfolios offer investment solutions for client’s specific needs, such as: long-term growth, generating current income or a combination. Strategic portfolios are diversified with multiple asset classes and investment styles.
For executives, we craft custom solutions for concentrated positions, considering corporate and tax restrictions.
A word about traditional money management - Traditional money managers strive to beat the market by taking advantage of pricing “mistakes” and attempting to predict the future. Too often this strategy proves costly and futile to those that invest with them, the stock market can be an expensive school for learning how to investment. Predictions often go awry and managers miss the returns that markets provide by holding the wrong securities at the wrong time. Meanwhile, capital economies thrive – not because markets fail but because they succeed.
Wealth Management
We offer fully integrated Wealth Management, that includes: Retirement Planning, Cash Flow Planning, Investment Planning, Tax Planning, Insurance and Risk Management Planning, and Estate and Trust Planning. SWA Wealth Management is based on a financial plan that integrates all of these elements.
Wealth Management is often confused with strictly the management of one’s portfolio. Many firms claim to offer Wealth Management services but are merely offering investment management, hoping to gather assets just by using the term. Don’t be fooled by those firms. If you are not receiving personal attention and solutions that go well beyond investments, you are NOT receiving the Wealth Management services you deserve (and are likely paying for).
Summit Wealth Advocates Wealth Management Services includes
Baby Boomer / Pre-retiree:
- Retirement planning: Exploring what retirement looks like and designing a game plan for achievement of retirement goals
- Portfolio management: Understanding the purposes of one’s wealth, as well as one’s risk tolerance and ensuring it is invested appropriately based on those factors
- Multi-year tax minimization strategies: Exploring opportunities available and techniques to capitalize on them
- Benefit review and utilization: Understanding available benefits and leveraging them appropriately
- Insurance review / risk analysis: Identifying potential premium saving opportunities as well as areas of exposure
- Estate plan design and implementation: Understanding one’s goals with accumulated wealth (family, charity, etc.) and ensuring the estate documents carry out one’s wishes
- Mortgage / debt analysis: Reviewing existing debt and identifying areas for improvement / restructuring
- Business planning: Whether it’s helping clients better leverage their business or helping them transition out of it into retirement, SWA has extensive experience developing strategies for business owners for their specific business
- It is no longer just handling your own finances. Now you, or those of your children, grandchildren or parents, there’s no reason you should be strapped with the responsibility all by yourself. You can take back your time by leveraging SWA’s wealth management experience. By assisting you with the many financial responsibilities and leveraging our team of experts, we remove the time constraints and stress that you are faced with every day.
Children of Pre-retiree:
- College / education planning: Understanding education goals and leveraging available opportunities
- New / first home purchase: Assisting with reasonableness as well as debt structuring
- Wedding / family planning: Counsel on the financial aspects of starting a family
- Wealth accumulation techniques: Leveraging saving techniques / vehicles
- Budgeting: Living within one’s means and learning to save on a consistent basis
- Estate plan design and implementation: Important for young families to ensure wishes are carried out (children, finances, etc.)
Grandchildren of Pre-retiree:
- College / education planning: Understanding education goals and leveraging available opportunities
- Intergenerational transfer of assets
Parents of Pre-retiree:
- Portfolio management including cash flow improvement techniques: Installing a conservative, well-diversified, cash-flow-producing portfolio.
- Multi-year tax minimization strategies: Exploring opportunities available and techniques to capitalize on them
- Insurance review / risk analysis (including LTC insurance): Identifying potential premium saving opportunities as well as areas of exposure
- Estate plan design and implementation: Understanding one’s goals with accumulated wealth (family, charity, etc.) and ensuring the estate documents carry out one’s wishes
- Mortgage / debt analysis (including reverse mortgages and HELOCs): Reviewing existing debt and identifying areas for improvement / restructuring
- Elder care planning: Identifying opportunities and areas of risk and teaming with legal professionals to consider strategies
