Services
Planning is not a one-time endeavor, but rather an ongoing process and partnership customized to meet life’s changes.
We work diligently to build a customized plan that is constantly monitored and examined to make sure we are on track to meet our clients’ long-term goals. These personalized solutions are integrated in the investment management process to build a portfolio of investments tailored to our clients’ long-term goals and values. Planning for your financial future involves much more than “running the numbers.” Your finances are connected to every aspect of your life, and the right financial plan addresses your emotional needs, wants, core values, and vision for the future.
Flourish Fundamentals
We believe that true prosperity extends beyond financial success. It encompasses personal growth, happiness, and a sense of accomplishment. Our dedicated team works tirelessly to harmonize these critical components, ensuring that your wealth aligns with your personal values and ambitions.
With this comprehensive approach, our clients gain a greater sense of confidence. It’s not just about accumulating wealth; it’s about achieving a balanced and fulfilling life. We take pride in being the partner who guides you on this transformative journey, helping you realize the full potential of your financial and personal wealth.
In our client-centered approach, we believe in delving deep to uncover the intricacies of your relationship with money. We do this by asking thought-provoking questions that lead to a profound understanding of the emotions, unique personal history, fears, and behavioral patterns that shape your core money beliefs. This exploration is at the heart of our mission, as it enables us to tailor our guidance to your unique needs, aspirations, and circumstances.
Our approach is grounded in fostering candid, meaningful, and occasionally challenging conversations with both our clients and the key figures in their lives. These discussions are pivotal in creating an atmosphere of trust and transparency, enabling individuals to navigate their financial landscapes with clarity and confidence. We understand that financial decisions are often deeply personal and intertwined with the dynamics of one's closest relationships.
We understand that these transitions are not just about financial matters but also involve intricate emotional, legal, and practical considerations. By offering a holistic approach, we ensure that our clients are equipped with the knowledge, tools, and compassionate guidance they need to navigate these life changes with resilience and confidence.
Comprehensive Wealth Planning
Financial Life Planning
Financial Life Planning facilitates an understanding of each client’s relationship with money as well as their unique values, attitudes, and beliefs. This knowledge and insight will indicate how to tailor your financial advice to each client’s needs, expectations, and aspirations. This process allows us to adopt a fresh perspective and facilitate a meaningful goal-setting process to align their visions of the future with their personal values and priorities.
Comprehensive Wealth Planning
Money Conversations
We believe there is freedom in money conversations and teach our clients how to have the necessary and sometimes uncomfortable conversations with the key people in their lives so they can make the best financial decisions for them and their family. We also frequently host family meetings where we bring generations of families together to open the lines of communication and build a foundation for financial readiness.
Comprehensive Wealth Planning
Income Optimization
By taking the time to understand income sources, expenses and, ultimately, the ability to save, we help clients achieve balance in their goals. Our expertise allows our clients to determine their target savings now, so they can successfully meet long-term goals in the future.
Comprehensive Wealth Planning
Tax Planning
We take a proactive approach to tax management. The tax impact of financial and investment decisions factors into all our planning strategies and eliminates unexpected accounting surprises.
Comprehensive Wealth Planning
Risk Management
We review all aspects of risk to ensure clients are financially protected during unexpected life events. Rest assured that because we are a fee-only and independent wealth management company, our recommendations are always in our clients’ best interests and not biased to a particular product, as we do not accept commissions or referral fees. Instead, we work with independent brokers to purchase the correct insurance coverage to meet each client’s unique needs.
Comprehensive Wealth Planning
Charitable Giving
We find that many clients are involved with non-profits and enjoy giving time, money, or both, to these charities. We devise a plan that narrows the focus for giving, determines the best charitable vehicle and improves fulfillment in this important area of a client’s life.
Comprehensive Wealth Planning
Retirement Planning
Getting a clear financial picture can help ease the transition into retirement because, at the very least, you’ll know what accounts you will be drawing from, where they are being managed, how your investments can continue to generate income for you, and what tax liabilities they may impose. It requires discipline and clarity to keep your finances organized before and during retirement.
Comprehensive Wealth Planning
Legacy & Estate Planning
We take the time to understand what is important in terms of a legacy and ultimate plans for assets. After reviewing current estate documents, we will visually illustrate how current assets would pass to heirs, other important individuals, or charities. Based on this insight, we can ensure estate documents accurately reflect our clients’ wishes and are updated when needed.
Comprehensive Wealth Planning
ESG Investing
The use of Socially Responsible Investments (SRI) and Environmental Social Governance (ESG) is an important opportunity to put investment dollars behind important themes that can influence the future while making a profit. We provide clients with education about ESG investment opportunities with the ability to build customized portfolios to reflect their values.
Investment Management
Market Insight
Markets cannot be consistently outsmarted as they are generally efficient and new information is rapidly incorporated into the security prices. Markets may behave irrationally in the short run, but portfolios designed with a long-term strategy, focused on future goals, put the markets to work in the best interests of our clients.
Investment Management
Asset Allocation
We help implement appropriate asset allocation customized to meet specific goals within each client’s timeframe. This will determine the vast majority of a portfolio’s return. Efforts to time the market by overweighting or underweighting asset classes are unlikely to add value over time, but our academic based strategies support long-term investment success.
Investment Management
Smart Diversification
Diversification works to both reduce risk and improve expected return, but this does not mean simply owning a little bit of everything. We understand the role of each asset in the portfolio and how it interacts in relation to other assets – both in calm markets and times of stress. It’s important to understand the benefit of a long-term perspective and remain patient across market environments.
Investment Management
Risk Management
Markets cannot be consistently outsmarted as they are generally efficient and new information is rapidly incorporated into the security prices. Markets may behave irrationally in the short run, but portfolios designed with a long-term strategy, focused on future goals, put the markets to work in the best interests of our clients.
Investment Management
Cost Control
Costs can come in many unexpected forms, including higher taxes and internal expenses with investment selections. This is especially true with active management strategies because these costs defray overall performance. Instead, our investment approach focuses on minimizing costs, maintaining fee transparency, and optimizing returns to more quickly meet client goals.
Investment Management
Tax Considerations
We minimize tax burdens by considering the cost basis of appreciated securities before recommending any changes. With calculated asset location strategies, appropriate investment options, and tax-loss harvesting, we help ensure maximization of after-tax returns.
Many advisors can talk to you about the technical aspects of financial planning. What sets us apart at Flourish is that we know you can’t make the best financial decisions for yourself and your loved ones unless you understand the personal and emotional aspects of your financial journey, too.
Environmental, Social & Governance Investing
Investing with Purpose
We seek opportunities to fully align our clients’ investments with their personal values. The use of Environmental Social Governance (ESG) is an optional opportunity to put investment dollars behind important themes that can influence the future while making a profit.
Explore the Themes Your Investments can Support
There are a wide variety of investment themes that can be supported through Environmental Social Governance (ESG). We are constantly seeking new investment opportunities in this space and working with clients to align their investments with themes that are important to them.
Who We Serve
We frequently partner with clients during significant life changes such as retirement, professional transitions, divorce, inheritance, or loss of a loved one. Flourish creates vital client connections during these periods of change, becoming trusted advisors in long-term relationships that support ongoing investment, tax, insurance, and planning solutions.
Women
We empower women to make educated decisions that are consistent with their values and goals.
Families
Our planning is customized to the unique needs of your family. You deserve more than a one-size-fits-all approach.
Individuals
We believe financial planning should reflect the values, resources, and goals of each individual.
THERE'S NO TIME LIKE THE PRESENT
It's never too late to take the first step or get a second opinion.
We offer a complimentary “Get Acquainted” call to learn more about your financial planning needs and share information on our firm to see if our services are right for you.
