Full-Service Advisory

Collaborative Life Planning

Life is meant to be lived, not endured until you retire. Together, we’ll explore what an ideal lifestyle looks like for you and your loved ones. The goal is an attainable lifestyle that brings sustainable happiness and fulfillment, while continuously improving the quality of your life over time. Through ongoing collaboration and support, your wealth strategy will continuously evolve with your life.

Workplace Benefits Planning

Workplace benefits are an important part of your overall compensation. In other words, if you aren’t maximizing them, you aren’t being fully paid for the work you’re doing. We’ll review your employer benefits and provide recommendations that are based on your unique needs and goals. And we’ll revisit this each year during your open enrollment period.

Investment Management

We’ll divide your assets into three buckets: short-term, medium-term, and long-term (based on your unique goals and objectives). Long-term can be invested more aggressively to pursue higher returns, while short-term should be very low risk. Through ongoing research, Reflective Wealth manages three different model investment portfolios that are used in each bucket.

Basic Tax Planning

Investing in the wrong asset or wrong account can significantly increase your lifetime tax bill. Your investments will be set up in a tax-efficient manner. We will continuously monitor and make adjustments, as necessary, to reduce your lifetime taxes without compromising your investment strategy. And every year, we’ll leverage powerful technology to identify potential tax planning opportunities.

Basic Estate Planning

We’ll ensure that, no matter when your time is up, your financial assets will be efficiently passed to your loved ones. This includes proper account titling and beneficiary designations. When appropriate, we will leverage powerful technology to create legally binding estate planning documents, like a will or a trust. While creation of these documents will require an additional fee paid to a qualified third-party software provider, it should still result in significant savings over using an attorney.

Quarterly Review Calls

Every three months, we’ll get together virtually, to formally review your progress. These quarterly meetings will ensure your plan is always optimized to your most important goals. As an ongoing advisory client, you’re eligible for unlimited updates to your plan.

Unlimited Ongoing Support

You’ll have unlimited access to ongoing support via email, phone, text, video chat, and in-person meetings when possible.