Our Philosophy

OUR CORE PHILOSOPHIES

We adhere to five core philosophies that underpin our unique wealth management strategies and multi-generational planning approach that give our clients an edge.

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PHILOSOPHY 1:

COLLABORATION AND EDUCATION

We believe collaboration and education set a foundation for a healthy wealth management strategy. By collaborating across a highly credentialed team and leveraging the unmatched financial strength and resources of the Northwestern Mutual Private Client Group, we execute your planning decisions with specialized expertise. We believe financial decisions should not be a black box. By educating and collaborating with our clients on the topics that are important to their plan, they feel confident about their wealth management trajectory.


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PHILOSOPHY 2:

INTEGRATED RISK PLANNING

We believe integrated risk planning helps accumulate and protect wealth regardless of the future economy, tax structures, and governmental regulations. By regularly addressing common risks such as disability, death, long-term care, legacy planning, longevity, market volatility, taxes and inflation, and healthcare costs we help our clients realize their financial vision.


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PHILOSOPHY 3:

SEQUENCE OF RETURN RISK MANAGEMENT

We believe planning the sequence of returns helps people prepare for the unexpected in life. Establishing liquid reserves and focusing on strategies to take the risk “needed” versus the risk “wanted”. This approach helps prevent selling investments during depressed markets during the early retirement years. It also builds confidence in achieving income goals across market cycles.


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PHILOSOPHY 4:

ESTABLISHING A BASE RETIREMENT INCOME

We believe establishing the amount of monthly income in retirement from guaranteed sources is integral to overall wealth planning. By strategically realizing gains and intelligently employing pensions, social security, annuities, and real estate income, we can guarantee a portion of retirement income and clarify exactly how much can be spent each month upon leaving the workforce.


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PHILOSOPHY 5:

TAX BRACKET MANAGEMENT

We believe strategic tax bracket management gives families the tools they need to protect hard-earned income and assets. By building and executing a plan that embeds the appropriate amounts of pre-tax assets, tax-free assets, and long-term capital gains assets, we help reduce tax drag and give more control over taxation during retirement. An often-overlooked aspect is understanding which assets to spend while living and which ones to leave behind as a legacy.