PCWM, LLC

When searching for an advisor, it is important to understand the services offered in comparison to the fees paid.  I offer the following services:

• Financial Roadmap:  A graphical representation of your values, goals and current financial standing.  This meeting aligns your money to your values – perhaps the most powerful financial meeting you will ever have.
• Comprehensive Financial Planning: Our CFP will complete a comprehensive, no stone unturned, financial plan complete with a detailed implementation strategy.  Included in the analysis are the following topics:
• Insurance Planning: This includes risk assessment associated with advisory recommendations based on the combination of insurance types that best meet a client’s specific needs, e.g. life, health, disability, home, auto, and long-term care, and others as appropriate.  For information on Insurance Services offered by me, click here.
• Estate Planning: This service generally involves a review of assets and liabilities, the titling of assets and the consideration of trusts. However, the advisor may provide advice with respect to property ownership, distribution strategies, estate tax reduction, and tax payment techniques as well as a discussion of gifts, trusts, etc., and the disposition of business interests. Tax consequences and their implications are identified and evaluated in general terms. The client’s chosen licensed attorney must be used for evaluation and document creation.
• Tax Planning:  Tax planning is referred to the client’s chosen personal tax advisor. We may offer advice as to how tax laws may affect various financial decisions, e.g. acquisitions, pension strategy, investing in new opportunities or consolidation of existing investments, and individual taxation issues, among others.
• Retirement Planning: This Involves advice with respect to alternatives and techniques for accumulating wealth for retirement income or advice relative to appropriate distribution of assets following retirement. Additionally, self-directed retirement assets are evaluated and, where appropriate, recommendations and assistance are provided. Tax consequences and their implications are identified and evaluated in general terms. Advisor is not engaged in rendering legal or accounting advice, has no lawyers or accountants on staff , and therefore refers all maters requiring legal or tax advice to the client’s chosen and properly licensed professionals in these areas.
• College Planning: This includes alternatives and strategies with respect to the complete or partial funding of college or other post-secondary education experience. Tax consequences and their implications are identified and evaluated in general terms.
• Investment Planning/Asset Allocation/Fund Choice: This involves advice with respect to asset allocation and investment income accumulation techniques. Evaluations are made of existing and, when applicable, potential investments in terms of their economic and tax characteristics as well as their suitability for meeting client’s objectives. Tax consequences and their implications are identified and evaluated in general terms
• Subject Matter Expert Coordination: Included in our Portfolio Management services is the coordination of every subject matter expert.  Financial planning is about piecing every aspect together, therefore we communicate from our team of experts to yours so that everyone is “in the loop.”  
  
  

For clients who engage Portfolio Management services, all of the above is included in the annual fee.  I do accept clients who chose to engage services on a module basis as well.  A summary of fees is illustrated on the Fees page.