Private Wealth Management

Financial Planning and Investment Management offered as a holistic solution.

At Guide, we consider Wealth Management a full service solution, seamlessly integrating a comprehensive financial plan with managed investments.  Every solution is tailored specifically to your own unique situation, and you can feel confident in knowing you’ve got access to a highly trained professional whenever you need us.  It’s like having your own, personal, CFO to reach out to with questions, and we’ll keep your plan on track and updated with the latest developments in tax, estate and investment legislation.

We bring a powerful combination of industry expertise and cutting edge technology solutions to back it up.  We help you to define your goals and create innovative solutions to ensure you achieve them.

Our clients receive direct access to highly trained professionals, we are available to discuss both your initial questions and ongoing financial needs as things change.

No Commissions

We have adopted strict rules that prohibit us from recommending any product that pays us a commission or benefit.

Fiduciary Standard

Guide Wealth Management follows the Fiduciary Standard, we work for our clients, putting their best interests first.

Personalized

We know you are unique, and have your own set of goals, which is why we personalize our service for every client.

Best Practices

Our plans follow the methodology set forth by the CFP Board for the six step planning model and we adhere to the board’s Standards of Professional Conduct ("Standards").  Guide Wealth Management acts as a fiduciary, meaning that we are legally obligated to work in your best interests.

A fiduciary duty is a legal duty to act solely in another party's interests. Parties owing this duty are called fiduciaries. The individuals to whom they owe a duty are called principals. Fiduciaries may not profit from their relationship with their principals unless they have the principals' express informed consent. They also have a duty to avoid any conflicts of interest between themselves and their principals or between their principals and the fiduciaries' other clients. A fiduciary duty is the strictest duty of care recognized by the US legal system. - Law.Cornell.Edu

 

The Six Step Process

It starts with a conversation.

An initial call will discuss what you are looking for at this time, and whether Guide can help you achieve this.  If it seems like there is a fit we will take a deeper dive into your needs, and solidify what you are looking for.  When it comes to couples, we ask that we take into account the needs of both parties and try to find solutions that align goals going forward.

Once we have agreed to work together, and defined your goals we need to create a statement of financial position. We work with you to gather a full picture of your financial situation, which will allow us to identify ways to move towards your goals in the most efficient manner possible.

Account Aggregation

Our planning software will be able to aggregate your accounts and show us a high level picture of your asset allocation, which will later be used for measuring expected return, risk levels, and diversification strategies.

Asset Titling

We will examine the ownership of assets to identify areas where estate planning techniques may be leveraged. This will allow us to create estate flow charts to show how your wealth will flow to your beneficiaries, and identify future taxable events.

Insurance Documents

Collating insurance documents will facilitate gap analysis and identify areas where we can improve asset protection. Note that Guide does not sell insurance, we work with you to make sure you have enough to cover your needs.

Tax Returns

One of our goals will be to reduce you taxes.  By examining your existing returns we can see what can be improved upon, and work with your tax advisor to discuss and implement the strategies.

Once the relevant data has been gathered we start the analysis stage.  This is where we form the statement of financial position, and current cash flow analysis.  The analysis stage will also explore current investments, examining mutual fund fees.

While a lot of the heavy lifting will be done by Guide here, this remains an interactive stage of the process as we seek to clarify aspects of your financial life.  At the end of the analysis stage we will hold a circle back meeting to confirm understanding and agreement of the facts before moving to plan development.

Once we have gathered and analyzed the components of your current financial position we will start developing strategies to ensure that your goals are reached.  There may be several solutions presented at this stage, and we will discuss which ones you feel most comfortable proceeding with.

This stage is intended to be very interactive, where we can adjust solutions on the fly, and leverage our modeling technology to show how different events may impact the overall planning process.

Implementation of a plan will take shape once we have an agreement on how to take those first steps.  It may include bringing in other professionals such as attorneys, accountants and insurance brokers in order to set plans in motion.

We tackle implementation from a ROI (return on investment) perspective, focusing on the most critical parts of a plan first, which might include obtaining insurance, diversification, setting aside emergency funds, or other things, depending on your specific situation.

Change takes time.  Our goal is simplicity, but unraveling plans that have been cobbled together over time can be an in depth process, which is why Guide will examine both the risks, along with the rewards of our recommendations.

Once the Wealth Strategy has been implemented we will periodically review performance against the model. Additionally, at any time of a major life event we will realign the plan to ensure that it can adapt to the changing situation.  This might include running simulations to ensure the plan can accommodate changes in expenses, or if we are able to find opportunities for reducing risk when costs reduce, or income increases.

The maintenance process is a dynamic, ongoing relationship where we ensure that your plan is able to move with the changes in your life.

We have periodic 'check in' talks to confirm that both the plan is on track, and whether the plan itself might need to adjust to accommodate changes in lifestyle.  It's also important for our clients to reach out when things might be changing for them too, and we encourage all our clients to reach out whenever they have a question so that we can help work through things with them.

What we do

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Retirement Planning

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Education Planning

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Tax Planning

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Insurance Planning

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Employee Benefit Optimization

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Estate Planning

Get Started

Contact us for an initial discussion on your financial situation, we'll listen to your goals, and discuss ideas for achieving them.

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Let's Talk

Get things started with a conversation, we’ll discuss what your needs are, and how we might help. No pressure, and no obligations.

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