Individuals and Families
Our Mission is to Bring Unwavering Financial Peace of Mind to You and Your Family
Simplifying Complexity. Advising On What Comes Next.
For individuals and families focused on growing and preserving wealth, the financial picture can become increasingly complex over time. Proper planning and execution become especially critical as life transitions arise or retirement nears. From coordinating college saving and liquidity needs to health care transitions and tax planning, the list of decisions is long and interconnected. HB Wealth can serve as your family’s Chief Financial Officer, cutting through the complexity to help you enjoy the wealth you’ve worked so hard to build. As an independent, fee-only fiduciary, we sit on your side of the table, with a commitment to acting in your best interest.
Services for Individuals and Families
Comprehensive Wealth Forecasting
We build custom long-term cash flow models that incorporate investment return scenarios, spending plans, education funding, Social Security timing, and decisions about deferred compensation and pensions to enable you to visualize the impact of your choices and live with greater confidence.
Investment Management
We take a personalized approach to portfolio construction to target attractive risk-adjusted returns aligned with your family goals. Our dedicated investments team includes multiple CFA charterholders® who are focused solely on investment research and recommendations.
Preparing for Retirement
We can help you figure out the right combination of retirement account and plan strategies to help you reach your goals – and what kinds of investments are the best fit for these accounts. We have significant experience helping clients prepare for and transition into retirement.
Tax Planning
Tax planning and retirement planning are strongly linked, and the choices you make across different account types can have implications for your long-term success. We can help you navigate constantly changing tax laws to make informed decisions on deductions, tax brackets, and other issues.
Preparing for Education Expenses
Educational planning involves forecasting the educational needs of your family and designing an investment strategy that specifically addresses those needs. We can help you with 529 plan options and create a financial plan that prepares you for the next stage of your child or grandchild’s education.
Multi-Generational Planning
Working together, we can help you tackle the challenge of preparing future generations for financial success. We can review the pros and cons of trust structures and link your estate plan to an overall wealth transfer strategy.
Insurance Reviews
HB Wealth has experience reviewing insurance policies and advising on strategies for managing risk for your family and your property. Our advice is designed to be objective and independent, with no financial incentives involved in choosing providers or solutions.
Crafting the Best Approach for Charitable Giving
We can help you assess the best way to support the causes that are close to your heart, from the most basic details like gifting appreciated stock to a local charity all the way up to helping you negotiate the structure of a major gift to a charitable organization.
Please Note Limitations: The achievement of any designation, professional degree, license, or certification should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if HB Wealth is engaged, or continues to be engaged, to provide investment advisory services.
This material is not a recommendation, offer or solicitation to sell or purchase any security.