Financial Planning
Your Life. Your Goals. Our Experience.
Preserve, Grow, Protect, Give, and Utilize your personal assets optimally.
Our fiduciary business model is designed for your best interest. We grow when your financial plan succeeds.
We don’t take commissions. You can rely on impartial advice and independence from outside compensation.
In short, we work for you, and for you only.
What
Tax Planning
Estate Planning
Risk Assessment
Cash Flow Planning
Retirement Planning
When
Retirement
Job change
Marriage and family growth
Divorce or loss of a loved one
Planning to prosper
Frequently Asked Questions
It starts with a meeting. We’ll ask questions to understand your goals, your cash needs, and gather data on your current financial picture. Confidentiality is key for fiduciaries like us. Anything you choose to share is protected in strict confidence. If we determine that SYM can add value for you, we’ll make a recommendation and discuss the cost of work. Then you give it consideration, sleep on it for as long as you need, and when you are ready, we begin!
A SYM financial plan defines/organizes your goals and organizes them into needs, wants, and wishes. It gives answers on the what and the how for your life today and tomorrow.
Needs can include healthcare, basic living expenses, dependent care.
Wants may include college, vacations, cars, weddings and anniversary celebrations.
Wishes may include your charitable giving, a second home, or helping to support a family member.
Yes!
SYM produces a detailed financial plan for you, in print or digital form, that delivers a comprehensive view of your future probabilities (if crystal balls were real – and we know they are not – this would resemble a highly analytical version). The plan will illuminate ways that you can impact your future by prioritizing your decisions and executing strategies for specific goals.
We stress-test your plan. We measure the probability of your success by running 1,000 simulations of possible outcomes to give you a score. And we help you impact that score by recommending adjustments and changes when needed to reach your desired outcome.
First, we’ll deliver a recommendation on your investment allocation (stocks, bonds, cash?) that is unique to your specific goals, risk tolerance, and timelines.
Then, we dive into these particulars:
• Cash flow planning to meet your ongoing and upcoming needs.
• Annual tax planning conversations to reduce income tax in current and future years.
• Risk planning to evaluate the contingencies you have in place.
• Estate planning for your loved ones and legacy.
• Healthcare and Medicare planning.
• Social Security optimization.
• Education planning; a coordinated plan for each child.
Yes!
In fact, we follow a protocol to update your financial plan regularly because life is not static, it’s wonderfully dynamic. We regularly review and adjust as your interesting life unfolds. And we also provide you access to software that allows you to play out the “what if’s” that run through your mind along the way.
You can expect to simplify your life as you delegate to a deep bench of credentialed professionals with experience helping people meet their goals and those of their family.
You can expect confidence that your fiduciary team stays informed on regulations and strategies, working in your best interest to execute on the important particulars of your financial life.
You can expect peace of mind most importantly.
• You have a plan that takes care of your family if you die early.
• You have a plan for contingencies such as loss of a home, health, or income.
• You can retire on your time and live the life you envision.
• You have a professional team monitoring your plan and working to anticipate needs.
• Your plan is managed by a firm that has more than 55 years of generational experience.
In short, we’ve seen it all (well, almost), and have witnessed countless scenarios play out from all angles.
It starts with fit. We believe that the cost of the coat is immaterial if it doesn’t fit. And we decide together if we have a good fit. We first learn what you need to indicate how SYM can engage to serve you. Then we provide a recommendation and give you full transparency on fees and deliverables.
Click here to book an initial discussion (there’s no cost or obligation) or simply give us a call 800-888-7968!
From tax and retirement planning to risk assessment and elder planning, we build comprehensive plans and execute on personalized strategies to make the most of your assets. With over five decades of experience, we know a thing or two about what can make a plan effective.
Advancing the Ball
Even beyond the scope of the assets we manage, we can collaborate with your other professional service providers and proactively work towards your best interests.
Whizzes At Work
We seek out knowledge of the various facets of your life, then construct and maintain a financial plan that encompasses it all. Our goal is to positively impact the lives of our clients and their families.
Looking Around Corners
Live your life, knowing your advisor is looking ahead. As your circumstances change and the world changes around you, know that your advisory team remains in place to serve you.
Focused on Results
When your advisor knows you uncommonly well, you’ll feel the difference. SYM’s business model and people-centered culture work to make goal-based, comprehensive planning a breeze.
