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Simplifying complexity.

“We are comfortable addressing our clients’ specific challenges, due to their limited time, ability, or inclination.”

Pam Chang
Portfolio Manager

Does your investment portfolio match your goals? Do you understand how your holdings will help protect and grow your wealth? Is your estate plan current? Have you created a financial plan?

Get started organizing, understanding, and controlling your wealth with a complimentary Initial Consultation and Portfolio X-Ray©, followed by an Estate Plan Review and Financial Plan when you become a client.

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The Wealth Planning Suite Includes:

  • An Initial Consultation
  • A Portfolio X-Ray©
  • An Estate Plan Review
  • A Financial Plan
A discussion with a Portfolio Manager to explore your goals and investment objectives, with a focus on:

  • Risk tolerance
  • Income needs
  • Time horizon
  • Estate plans

We will share insight gained from our collaborative approach and more than 180 years of experience as fiduciaries. We listen to understand your individual needs and provide solutions to help you achieve your goals.

Documents needed: None.

Portfolio X-Ray© is a software tool that analyzes your investment portfolio. Using the Portfolio X-Ray© output, we will evaluate whether your portfolio addresses your needs and objectives as identified in our Initial Consultation.

The Portfolio X-Ray© examines your investments and provides you with a better understanding of your current holdings. The X-Ray is impartial and you will receive a completed copy. Analysis includes:

  • Overall asset allocation
  • Sector weightings
  • Concentrated positions
  • Stock holdings behind mutual funds
  • Performance against benchmarks and industry indices
  • Underlying fees

The combination of the X-Ray with the interpretation and recommendation from our team provides you with insight and guidance to help meet your investment objectives.

Documents needed: Current portfolio statements.

Benefit from a confidential review of your existing estate plan documents by a practicing Trust & Estate lawyer in light of current law and your personal situation. Review includes:

  • A summary memo of the findings
  • Recommendations for revisions/updates*
  • A discussion with the reviewing counsel

Follow up may include a discussion regarding:

  • Wealth transfer and trust and estate settlement services
  • Philanthropic planning
  • Process of implementing an estate plan

Documents needed: Current estate plan documents and tax returns.

*There is no obligation to use reviewing counsel for any updates or revisions. Any drafting will require engaging counsel.

A financial plan allows you to develop confidence in your ability to achieve your long term goals. The plan is developed in consultation with your Portfolio Manager and other professionals as needed.

The plan can include:

  • Cash flow projections including income and expenses
  • Projections of your net worth over time
  • Indication of the impact of inflation
  • Asset Allocation strategy
  • Calculated of estimated Require Minimum Distributions from IRAs
  • A Roth IRA conversion comparison
  • Estate strategy impact
  • Real estate purchases and sales
  • Education expense analysis

Documents needed: Completed Financial Analysis Questionnaire.

Disclosure: *There is no fee for the Initial Consultation or Portfolio X-Ray© for prospective clients. Portfolio X-Ray© is a Morningstar product. Welch & Forbes maintains a license for its use.