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Our Services

When it comes to your financial future, planning is key. Whether you're just starting out or nearing retirement, having solid plan in place can you achieve your goals and secure your future. Our team can help you navigate the complex world of financial planning, retirement planning, and manage your investments to create a personalized plan that works for you. Let us help you take control of your financial future today.

Financial Planning

Financial planning is a collaborative process designed to help you achieve your life goals. Our financial advice takes into account your personal and financial circumstances to create a unique plan tailored to your needs and preferences.
Here are the steps in our financial process:

  1. Understand Your Personal and Financial Circumstances

  2. Identify and Select Goals

  3. Analyze Your Current Course of Action and Potential Alternatives

  4. Develop Financial Recommendations

  5. Present Financial Planning Recommendations

  6. Implement Financial Planning Recommendations

  7. Monitor Progress and Update

Retirement Planning

If this is something you need help with, you’ve come to the right place. Retirement planning is the number one reason why people reach out to us. The leap from working to retirement can often be daunting with so many variables and uncertainties. It can be intimidating to go at it alone. Often what we find is that the numbers only tell part of the story. Understanding your attitude towards making the transition into retirement is just as important as crunching the numbers. There are few events in life that you engage in for so long, so we understand the level of importance this means to you.

  • Preparation: When exactly can you retire? How much do you need to ensure that you have enough to last your lifetime? What is the tradeoff between working longer and income ability? There are a seemingly endless number of questions that need to be answered before you can confidently walk into retirement. We will do that together.

  • Income Strategy: As important as how much you need to have saved is how you draw out your income. Each type of investment vehicle has potentially different tax consequences and IRS requirements for yourself and your beneficiaries. Your income strategy needs to balance longevity, risk and reliability while minimizing taxes throughout your lifetime. We don’t leave any of it to chance.

  • Execution: Each step of the plan is scrutinized to ensure that the implementation meets your goals. Your life will evolve, laws will change and your goals may be different in the future. We will be there at each turning point to help you correct course and chart a better path forward. You can count on us to be your partners through the ups and downs of life and ultimately to the end of life to carry out your legacy goals.

Investment & Wealth Management

It is only after developing a strong financial plan that we can have a clear purpose and direction for the investments. Our investment and wealth management philosophy is that there’s no one-size fits all approach. Our work together may include any or all of the following:

  • Asset Allocation: Determining the optimal mix of asset classes (such as stocks, bonds, real estate, etc.) based on the needs of your financial plan. Asset allocation aims to balance risk and return.

  • Investment Selection: Choosing specific investments (e.g., individual stocks, mutual funds, ETFs) that align with your objectives and the overall asset allocation strategy.

  • Portfolio Construction: Building a diversified portfolio that spreads risk across different asset classes and investments while aiming to achieve the desired level of return.

  • Risk Management: Implementing strategies to mitigate risks through diversification, hedging, and other risk management techniques.

  • Monitoring and Rebalancing: Regularly reviewing the portfolio's performance and making adjustments (rebalancing) as necessary to maintain the desired asset allocation and risk profile.

  • Tax Efficiency: Incorporating tax-efficient strategies to minimize the impact of taxes on investment returns, such as direct indexing, tax-loss harvesting, lot-level gains deferral and more.

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor.

 

All information has been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy, reliability or completeness of, nor liability for, decisions based on such information and it should not be relied on as such.

 

TerraFirma Wealth Partners LLC (“TerraFirma”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where TerraFirma and its representatives are properly licensed or exempt from licensure.

 

For additional information, please visit our website at https://terrafirmawealth.com.

 

TerraFirma WealthPartners LLC is a registered investment advisor. Information in this message is for the intended recipient[s] only. TerraFirma Wealth Partners LLC often communicates with its clients and prospective clients through email and other electronic means. Your privacy and security are very important to us. TerraFirma Wealth Partners LLC makes every effort to ensure that email communications do not contain sensitive information. If you are not the intended recipient of this communication, please delete and destroy all copies in your possession, notify the sender that you have received this communication in error, and note that any review or dissemination of, or the taking of any action in reliance on, this communication is expressly prohibited. We remind our clients and others not to send TerraFirma Wealth Partners LLC private information over email. If you have sensitive data to deliver, we can provide secure means for such delivery. Please note TerraFirma WealthPartners LLC does not accept trading or money movement instructions via email. Please visit our website https://terrafirmawealth.com/ for important disclosures.

Disclosures | Form CRS

TerraFirma Wealth Partners LLC is a registered investment advisor.

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