Individuals & Families

Insightful Guidance Through Changing Circumstances

It’s common to feel uncertain how to best manage your wealth throughout your lifetime, especially during a time of changing circumstances – whether it be a job change, growing family, change in cash flow, or loss of a loved one. While you have unique circumstances, it’s likely that you seek to bring organization to your financial life and preserve and grow wealth.

Your relationship with SWP provides you with an objective team of financial specialists who act as your eyes and ears in managing your wealth. Our team leverages its expertise and resources by partnering with other professionals to review what is best for you.

We’re here to help simplify the wealth management process and help you achieve your goals. We help guide you to:

  • Uncover your risks and consider your options
  • Take advantage of opportunities
  • Make prudent financial decisions

Financial Planning

There is a lot of truth in the old adage, “It’s never too early to start planning for retirement.” We typically talk about when you would like to retire, as well as how and where you imagine spending your time. By using our custom analysis tools, we help guide your decision-making process to make the most of your wealth throughout retirement.

Common questions you may have:

  • Can I live the life I want to live?
  • Do I have enough to fulfill my other goals?
  • How will taxes effect my retirement?
  • What could derail my plan?

Client Story: Managing Wealth During Retirement

The cost of higher education today is daunting. We help you develop a plan to fund your children or grandchildren’s educations by creating personalized projections on future costs.

Common questions you may have:

  • How much should we save for education expenses?
  • What is the most appropriate vehicle to use for college funding?
  • How can I contribute to my grandchild’s education?

Taxes are inherently complex and unique to each individual family’s situation. We work with your accountant to understand tax implications related to your entire plan and identify strategies to minimize your taxes and grow your wealth.

Common questions you may have:

  • Am I saving in the most tax-efficient way?
  • Are my assets structured tax-efficiently?
  • How can gifting lower my estate taxes?
  • Are there ways to control estate or income taxes?

Why Taking a Loss on an Investment Can Be a Good Thing

Are you properly insuring your most important assets – your life, your livelihood, your property, your legacy? We objectively review your risks and advise on the types of coverage that will offer the best protection.

Common questions you may have:

  • Do I have enough life insurance?
  • Do I need long-term care insurance?
  • How do I best protect my property?
  • How often should I revisit my insurance policies?

Homeowners, Auto, and Liability Insurance: Time for a Check-Up?

A smooth transition of your assets is important to make sure that your wishes are carried out. We help you articulate your wishes and identify opportunities to effectively utilize your wealth. Together, with your estate planning attorney, we review your options and assist in implementing strategies that are valuable to you.

Common questions you may have:

  • Why do I need an estate plan?
  • How can I make sure my estate plan works as intended?
  • What is probate and how can I avoid it?

Powers of Attorney: Why Does an Adult Child Need One?

Philanthropy may be an important component of your financial plan. What will be your legacy? We can help explore what is right for you and provide an assessment that may include amounts, time, and tax implications.

Common questions you may have:

  • Why shouldn’t I just write a check when making a donation?
  • Which is right for me: a family foundation or a donor advised fund?
  • Can I use anything other than cash to fund charitable donations?

Client Story: Managing Wealth from the Sale of the Family Business

Investment Advisory

Customized Portfolio Construction. Tax-efficient Management.

We believe that planning should drive investment decisions. Only after following a personalized planning process can we understand your unique situation and make appropriate recommendations. We use this, along with your risk profile, in an attempt to preserve and grow your wealth. While we cannot control market performance, we can control risk and other aspects that impact your portfolio over time such as taxes, expenses, and asset allocation.

Common questions you may have:

  • Why is asset allocation so important?
  • What rate of return do I need to meet my goals and objectives?
  • What are “alternative strategies” and are they right for me?
  • How do I decide which investments go in which accounts?
  • How do I get cash when I need it?

Services: Investment Advisory