Our Services

Investment Portfolio Management:

 

Given the cyclical nature of the financial markets, we pay particular attention to the Business Cycle. By recognizing which phase of the cycle we are currently in, we are able to make proactive rather than reactive changes in our portfolios. With each phase of the business cycle having its own unique strategy, we manage risk in client portfolios and adjust investment strategies as the business cycle evolves.

Each client is different, but our disciplined process is the same. It is very important that together, we determine your risk tolerance, time horizon and investment objective for the funds you have invested. We understand how important capital preservation is to our clients, so we invest carefully to protect your assets. We believe that in today's volatile markets, client assets must be actively managed and rebalanced to take advantage of opportunities and minimize risk.

Our process, developed over four decades of investing, is solid, sound and disciplined. We look to reduce risk, enhance returns and realize gains as tax efficiently as possible. Every investment decision you make should be the result of a deliberate process. By utilizing a fee based commission free platform, you and your advisor share a common goal- to grow the value of your assets. In a fee based environment, OUR interests are aligned.

Personal Financial Planning:

 

Financial planning is at the very core of the services we provide to individuals and families seeking to build, preserve, and manage wealth over time. Our process is comprehensive, seeking to balance your needs for risk management, income and investment returns, tax management, retirement planning and estate planning.

We provide a secure, customized website that will allow you and designated family members to see a complete real-time snapshot of every financial balance you have across financial accounts and institutions. With your permission, the site can be accessed by your other trusted advisors, including attorneys and CPAs. This complete aggregation of balances from your checking, savings, investment accounts, credit card companies, loan balances and mortgage companies provides you with an accurate, daily net worth statement that then dynamically overlays your financial plan, enabling you to see if you are on track every step of the way.

Individual Retirement Planning:

We help you meet your retirement income needs and maintain the lifestyle you have worked so many years to achieve. By integrating ROTH and Traditional IRAs, 401(k) and other employer sponsored plans into your overall strategic plan, we create a retirement income distribution strategy that addresses inflation and market fluctuations to help you enjoy your retirement years.

Social SecuritySocial Security benefits are a crucial element of retirement planning. There are many factors to Social Security that can affect you and your spouse’s decision on whether to start or delay receiving your benefits. At La Pointe Wealth Management, we have the calculators to provide a complete Social Security benefit analysis for both you and/or your spouse.

Social Security Calculator

Corporate Retirement Plans:

La Pointe Wealth Management specializes in corporate retirement plans. If you are a business owner or are in any way associated with the administration of your employers corporate retirement plan, you are most likely a “fiduciary” of that plan. As a fiduciary, you have responsibilities that you might not be aware of. Newly enacted regulations by the Department of Labor (ERISA 408(b)(2)) have increased the oversight and burdens placed on those who provide retirement plans for their employees or administer retirement plans for their employers. You could easily be held to a “fiduciary” standard by the government and not even be aware of it.

ERISA 408(b)(2) was implemented primarily to provide transparency of fees and disclosure of conflicts of interest that previously were hidden by most plans. At La Pointe Wealth Management, we have AIF® designated advisors that help you navigate the fiduciary process included in creating and administrating a company retirement plan. We are aware of the standards, laws, and trust provisions of a plan and can help you prepare an investment policy statement, which is the blueprint of your retirement plan. We help you gather the information that is necessary in making informed decisions as to the investments that you choose. We monitor the holdings for consistency and correlation to the investment styles chosen and review performance relative to its assumed risk and in relation to its peer group.

401(k) Consulting & Asset Allocation:

What’s your retirement “flight plan?” At La Pointe Wealth Management we offer individual help with your 401k. Anyone can select last year’s best performers just by looking at the numbers. That’s like navigating your aircraft by looking behind you. Where you’ve been in the past is not necessarily where you wish to go in the future. Last year’s investment winners could be this year’s investment losers. We suggest you navigate your investments by looking at what lies ahead in the business cycle. We can help you with that.

Estate Planning:

Preserving wealth from one generation to the next can be complex and time-consuming. In estate planning, we work with your estate attorney to ensure that mechanisms to facilitate the efficient transfer of wealth are established and maintained. We work to minimize taxes and maximize benefits to your intended recipients, including both individual and charitable beneficiaries, whether via lifetime or testamentary bequests. We can help beneficiaries set up estate accounts, determine date of death values and handle asset transfers on behalf of beneficiaries. When your family is meeting the challenges that accompany the loss of a loved one, we can relieve your stress by assisting with your family’s financial matters.

Tax Strategy:

We monitor your evolving tax scenario, and adjust your portfolios accordingly, to minimize the ongoing tax consequences of your investments wherever feasible. We work closely with your tax advisors to minimize tax liabilities at all stages of your life, through a variety of income, gift and estate tax planning strategies.

Long-Term Care:

Long-term care insurance can help manage healthcare costs and reduce the impact of inflation, while ensuring your healthcare needs, and those of loved ones, are covered well into the future. Adequate financial planning now can help prevent a lifetime of assets from falling short when you need them most. There is a variety of complicated options surrounding Long-Term Care and we can help you navigate through those options in order to make the right decisions.

Charitable Giving:

Charitable giving can provide tax benefits for you and your heirs. We conduct a full assessment of short- and long-term tax and estate planning implications to help you achieve your wealth management objectives.

Socially Responsible Investing:

Many of our clients are concerned with Socially Responsible Investing, for those who are more inclined; we can tailor to those concerns.

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