Services
Our services
How We Can Help You
We provide a comprehensive approach to wealth management. Our in-depth approach begins with determining your goals and objectives, reviewing your existing investments and evaluating your tolerance for risk. This enables us to develop an investment strategy and portfolio design to meet your needs. Our goal is to provide solutions to help maximize your investment returns for a given level of risk.
Watch Hill Financial partners with Mariner Advisor Network which gives our team access to experienced tax, trust, estate planning, investments, retirement planning and insurance teams. We’ll bring these teams in as needed to provide you with a coordinated wealth plan.
Financial Planning
Financial planning is a process – an organized, well-planned system for answering your financial questions and providing the basis for the personal financial decisions that help achieve your goals in life. We will partner with you to develop a customized financial plan that works for you now and over the long term. Whether it’s planning for retirement, saving for a child’s education or making gifts, we will get to know you and your goals, then build a plan to help you reach them.
Designing a well-rounded financial plan examines your total financial picture and covers:
- Your current financial position
- Cash flow projections and planning
- Tax strategy integrated into your financial plan
- Strategic investment tax planning
- Education funding projections and strategies
- Investment allocation and portfolio design
- Retirement income needs and strategies
- Wealth transfer and estate planning
- Asset and insurance protection
Investment Management
We provide a disciplined approach to investment management. This begins with determining your goals and objectives, reviewing your existing accounts and investments and evaluating your tolerance for risk; we then develop an investment strategy and portfolio design to meet your needs. Our goal is to provide solutions to help maximize your investment returns for the level of risk that you are comfortable accepting. Our investment management and planning includes:
- Diversification among multiple asset classes
- Consideration of different styles and strategies within asset classes
- Implementation of active and passive strategies
- Tactical asset allocation adjustments
Tax Planning
Including an effective tax strategy as part of your overall wealth and estate plan may help you maximize your savings and reach your financial goals. We understand the latest regulatory issues and tax law changes to create tax-efficient strategies for you designed to help minimize your tax burden. Our tax planning includes:
- Tax analysis and planning
- Tax-efficient portfolio design
Retirement Planning
Creating detailed strategies for withdrawing income from portfolios seeking to maximize the probability the portfolio will provide income throughout a desired time frame. With life expectancies increasing, the length of the average retirement also gets longer. Retirements of 25 to 30 years or longer are becoming increasingly common. Creating a portfolio that lasts throughout retirement can be a difficult task without a solid plan. Our approach involves portfolio design strategies, income and estate tax planning and the analysis of retirement account requirements.
Risk Management and Insurance Analysis
Having income protection strategies in place can help you protect your family now and in the future. To build a sound financial plan, it’s a good idea to include insurance solutions such as life, property and casualty insurance. We can help you evaluate solutions and recommend options to fit your family’s needs. Our risk management planning includes:
- Asset and income protection strategies
- Analysis of major insurance companies and product recommendations
- Life insurance and long-term care insurance policy review
Trust Services
As you think about providing for your family for generations to come, you may want to consider establishing a trust. We will work with you on strategies to help minimize taxes and maximize your potential wealth transfer and charitable contributions with the goal of helping to ensure your wishes are carried out.
- Review and advise on trust documents
- Charitable planning and gifting strategies
- Generation-skipping wealth transfer strategies
- Self-settled trusts for asset protection and efficient distribution
Business Consulting, Cash Management and Business Valuations
Many business owners do not know how much their companies are worth, making it difficult to establish a clear financial plan. We can help provide you with a better understanding of the value and risks associated with your business. Listed below are some of the advisory services we can provide with respect to business valuation:
- M&A Transactions
- Financing
- Buy-Sell Agreements
- Gift & Estate Tax
- Charitable Donations
- Stock Options/409A
- Discount Studies
- ESOPs
- Derivatives
- Shareholder Disputes
- Marital Dissolution
- Purchase Price Allocation
- Goodwill Impairment
- Intellectual Property
- Portfolio Valuations
Investment advisory services are offered through Mariner Independent Advisor Network; other services may be provided by affiliates and may be subject to additional fees. Some advisors are licensed insurance agents and are compensated for the sale of insurance-related products through an affiliated insurance agency.
Diversification and asset allocation are investment strategies designed to help manage risk, but they cannot ensure a profit or protect against loss in a declining market. Investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing or planning strategy will be successful.