Our Wealth Management Services
We offer a full range of wealth management services to help set you on the path to achieve your financial goals and craft your ideal life. At the core of our service is our focus on you. We listen carefully and factor your situation, and goals in all of our work with you.
Read more about our specific services below. To skip to a particular section, click on the links here:
- Financial Planning Services
- Investment Management Services
- Retirement Planning
- Asset Management & Protection
- Estate Planning and Trust Services
- Cash Flow Analysis, Debt & Taxes
- Philanthropic Planning
Financial Planning Services
A Unique Plan for You
Whatever your financial planning goals or needs are, we’re here to develop a relationship with you and craft the optimal plan for you. We are uniquely equipped to serve a wide variety of life events and financial needs. We take a holistic approach to our wealth management and financial planning services, always keeping your situation in mind. There is no “one size fits all” plan!
Our team is diverse and has a range of personal experiences, so no matter your situation, we are ready to help with your specific needs. We’re here to help you on the path toward achieving your financial goals.
When it comes to one’s financial health, there are so many questions that come up. For answers to these questions, the wealth services team at XML is here to help you! To be successful in wealth management, it is essential to understand not only where one stands financially but also how to continue and grow one’s lifestyle. We want to enable you to understand and maximize your finances so you can live your optimal life.
Some examples of areas of financial health we can address through planning include:
- Assessing financial condition and needs
- Identifying retirement financial goals
- Assisting with estate planning
- Preparing a plan to meet future financial needs
- Offering tax strategies in relation to your financial plan
- Monitoring government tax and regulation changes and evaluating their impact on individual financial status
- Evaluating financial statements and project earnings
- Searching for ways to better manage cash flows
- Completing risk analysis
Specific areas of expertise include:
- Retirement planning
- Cash flow and budget analysis
- College education savings
- Estate planning and trust services
- Asset management and protection
- Tax advisory
- Philanthropic planning
- Will and trust planning
Again, we are uniquely focused and equipped to serve your situation because of our vast personal and professional experience.
We’re Here to Help You Craft Your Ideal Life
For more information or to schedule a meeting, contact us today!
Investment Management Services
With a keen understanding that every client’s needs are different, our Wealth Advisors strive to deliver the most individualized and consultative investment management service possible. To accomplish this, our financial consultants maintain an ongoing conversation with you to ensure that investments are suitable and aligned with your specific needs and goals.
General steps in the investment management process include:
Step 1 – Review Current Portfolio
First, the Wealth Advisor will review and assess any current investment portfolios you may have. We will check to see if the investments are suitable and income-generating, if needed, as well as work to identify areas for improvement—such as a lack of diversification, appropriateness of investments, underperformance, and fees.
Step 2 – Construct Optimal Portfolio
Next, we work with you to design and develop the optimal portfolio based on a complete picture of your unique goals, situation, and financial needs. Because each and every client is different, our Wealth Advisors customize each client portfolio. No matter your life stage or circumstance, we take important details such as investments held in 401(k), cash need, and risk profile into consideration when constructing your investment portfolio.
Step 3 – Execute
The third part of our financial management process involves the actual construction of your optimal portfolio. We want to make the process as seamless as possible, so we provide the documentation to set up your accounts, and transfer any that are deemed appropriate. Additionally, our Wealth Advisors take various investment implications like tax liability, timing considerations, and preferences into review. Upon approval, we execute the appropriate transactions to optimize your investment portfolio.
Step 4 – Monitor, Review, and Adjust
Importantly, our team provides ongoing and collaborative support to clients as they need to address their financial well-being. As financial issues, concerns, and questions come up over time, we work with you to regularly review your portfolio and make appropriate changes as needed.
Have any questions about our investment management services? Don’t hesitate to contact us to ask any questions you may have to set up and appointment.
Saving and planning for retirement is one of the biggest goals that many people have. But there are a lot of complexities and factors to consider. For instance, do you go with the tax benefits or pre-tax deferrals or tax-deferred growth? Your retirement plan is likely to be your largest asset, so it’s important to make sure it’s set up and managed in the best way possible. We pride ourselves on the individual attention we give as a part of our retirement planning services.
We want to help you craft your optimal retirement plan and understand why it’s ideal for you. We’ll be with you every step of the way. Not only do we want to set up the ideal plan for you, but we also want you to understand why it’s the best plan for you! We focus on your individual situation and goals while making and managing your retirement plan.
Contact us today to learn more about our retirement planning services or set up an appointment.
Asset Management & Protection
We specialize in helping people deal with the financial aspects of life-altering occurrences such as retirement, job change, death of a spouse, inheritance, and sale of a business. We know that every client has unique and specific goals, dreams, and circumstances. We work hard to know our clients and tailor our asset management process to suit them.
Our Asset Management & Protection services can include:
- Investment advisory and management services
- Financial planning services
- Tax planning
- Retirement planning
- And more!
Estate Planning and Trust Services
Estate planning can be intimidating and frustrating and is oftentimes overlooked due to the uncomfortable nature of the conversations that arise. However, our advisors will offer compassionate guidance as we work together to help you through this process. Our goal is to make estate planning seamless. Proper estate planning can save your family a great deal of time, heartache, and money.
Our advisors will work cohesively with your attorney and tax professionals to create and update your unique plan. We highly recommend ensuring that your estate plan is in order so that your loved ones are protected.
To learn more about our Estate planning and trust services, don’t hesitate to reach out to us today!
Cash Flow Analysis, Debt & Taxes
Analyzing your cash flow and implementing a budget can be a difficult process for many, but it can be essential to achieving your financial goals. As a part of our cash flow analysis, we specialize in creating tax planning strategies to allow you to keep as much of your hard-earned money as possible. We are also experienced with managing and getting out of debt.
In all of this, we are keenly aware of your current situation and goals as we analyze and plan for your financial success.
By helping you develop a personal philanthropy plan we will educate you on tax efficient ways to leave a lasting legacy for your favorite charity.
Get Started – Contact Us
Our team combines extensive professional experience to provide a level of service and understanding of our clients that will be appreciates for years to come.