At TrinityPoint Wealth, we care about you, not just your finances. So we ask a lot of questions. What do you envision for yourself and your family? What are your priorities? What are you looking forward to personally and professionally? What kind of legacy do you hope to leave?
We believe that only by understanding what’s most meaningful to you can we customize financial solutions for growing, preserving, and transferring wealth that align with your goals and vision. Whether you are planning for retirement, going through a transition or thinking about selling your business — whatever stage of life you’re in, we’re here to serve all your financial needs. Delivering innovative investment solutions based on our decades of experience and putting all the pieces of your financial life in place, with ongoing, proactive management and oversight, we work to help you achieve the things you care about most.
INVESTMENT ADVISORY SOLUTIONS
Are you on track to achieving your objectives? Could your investments be doing better? Would a more customized and tax-efficient approach make a difference?
At TrinityPoint Wealth, your personal and financial well-being are paramount to us. So we listen. We want to know what matters most to you, what keeps you up at night, what goals you have set for yourself and your family. We talk about your risk tolerance and time horizon, look at your tax situation, investment history and liquidity needs. Once we have a complete picture, we put our decades of experience to work, customizing an investment strategy with solutions tailored specifically for you.
Central to our investment approach is a broad diversification across a range of asset classes, including global and domestic equities, taxable and non-taxable fixed income, mutual funds and exchange traded funds (“ETFs”). We also employ extensive research and due diligence to uncover private equity and alternative investment opportunities for our high net worth and institutional clients.
After determining an appropriate asset allocation, we carefully construct a custom portfolio that aligns with your goals and risk profile. We will monitor your portfolio’s performance closely and check in with you regularly, rebalancing when changing market conditions or your circumstances warrant it.
RETIREMENT PLANNING
When you think about your retirement, what does it look like? Are you doing all you can now to make that dream possible? While the sooner you begin, the better, it’s never too late to put a retirement planning strategy in place.
We start by talking about your goals and priorities to determine how much income you’ll need. Then we do a thorough evaluation of your assets, including pensions, 401(k), savings and investments, along with a Social Security analysis. This information helps us define an optimal timeline for your retirement, as well as the steps you’ll need to take. Finally, we put a retirement income strategy in place, which we will review with you on an ongoing basis and adjust whenever necessary. Working together we will help keep you on track, so that today’s dream can become tomorrow’s reality.
WEALTH MANAGEMENT FOR BUSINESS OWNERS & ENTREPRENEURS
As a business owner or entrepreneur, are you doing all you can to grow and protect what you’ve worked so hard to build? Have you thought about an exit strategy?
When your business is your primary source of income, your personal and professional financial goals become entangled. Whether you’re looking to scale your business or getting ready to sell it and retire, our role is to help you and your family navigate the complex financial and emotional issues owning your own business creates. From managing your finances and investments and developing a wealth transfer strategy to optimizing your company’s retirement plan and mapping out a succession plan — we can guide you in taking the steps you need to achieve your long-term objectives, while you keep your focus on your business.
EXECUTIVE WEALTH MANAGEMENT
As a corporate executive, are you so focused on business you barely have time for your own personal finances? If so, we can help.
In addition to wealth management solutions for individuals and families, we provide a full suite of executive services that address the complexities of investment management and financial planning that you encounter at your level of success. Serving as your personal CFO, we can help you make informed financial decisions in areas that include compensation and benefits, equity incentive planning, equity trading plans, tax-sensitive solutions for concentrated positions and pre-liquidity planning.
FINANCIAL LIFE PLANNING
How fulfilled are you in your personal and professional life? Is there more you hope to accomplish? Is there something that’s missing?
One of our specialties is financial life planning, for which we’ve earned the Registered Life Planner (RLP®) designation. It’s a truly creative and holistic approach that aligns your financial life with the things that matter most to you in your personal and professional life. Through an in-depth, exploratory process, we guide you in uncovering what’s most meaningful to you — what is your life’s purpose — so you can realign your focus with an ignited personal vision. Then we work with you to organize your finances, mapping out a financial plan to support your life plan and help you begin manifesting the resources you need to live your dreams.
ESTATE & TAX PLANNING
How do you wish to transfer your wealth? What kind of legacy are you hoping to leave?
Once we have a clear understanding of your objectives, we do a comprehensive review of all your estate documents and identify any tax consequences. We then coordinate with your outside estate and tax planning advisors to ensure that your plan will enable you to pass on your wealth to the loved ones, organizations and institutions you care about smoothly, tax efficiently and in a manner that’s consistent with your values and intentions.
If you’ve recently lost a loved one, we will work with you and your attorney to help you settle the estate, including sorting through and processing financial and estate documents, reviewing the deceased’s pensions and benefits, re-titling assets and identifying any debt.
We will continue to assess your estate documents for you, updating them according to your wishes or any changes in your circumstances.
DIVORCE FINANCIAL PLANNING
Are you thinking about or in the process of getting a divorce? What steps can you take now to protect your financial well-being?
Divorce Financial Planning is an area we specialize in. Having earned the CERTIFIED DIVORCE FINANCIAL ANALYST® designation, we can help you navigate the financial issues and complexities that need to be addressed, so you can take the next step toward improving your life.
It is important to consider the financial realities of divorce before, rather than after, the final papers are signed. We will evaluate your entire financial picture to help you arrive at a fair and equitable division of assets and liabilities, with a reasonable expectation of income and expenses going forward. Working with you and your attorneys, we will provide data analysis that shows the financial effect of any given settlement. This includes identifying tax consequences and potential issues in dividing complex or illiquid assets and investments, analyzing pension and retirement plans, determining if you can afford to remain in your home and understanding the short- and long-term effects of dividing property.
Once the divorce is final, we will continue to provide you with financial guidance and asset management. Our ultimate goal is to help you achieve peace of mind with a financial plan for the future and the knowledge that you’ve made the best possible decisions for yourself and your family.
CHARITABLE GIVING STRATEGIES
Are there charities and causes that you and your family are passionate about supporting?
We will work with you to determine optimal gifting strategies to maximize your contribution, as well as your tax savings. We may recommend a donor-advised fund, which provides an immediate tax deduction and allows you to invest your contribution for tax-free growth, or identify another gifting structure that better serves your purpose. Whatever the solution, we will make certain that it aligns with your goals and intentions.
INSURANCE & LONG TERM CARE PLANNING
Do you have the coverage you need for yourself and your family in the event of an accident, illness or emergency?
As licensed insurance professionals, we can help protect you from undue risk with life, disability and long-term care solutions tailored to your specific needs and circumstances. Whether it’s finding cost-effective term life coverage for income replacement, coordinating asset protection strategies with long-term care and estate planning or determining if a hybrid long-term care policy makes the most sense for you and your family — our goal is to limit your exposure to potential downside risk and increase your peace of mind.
HEALTH SAVINGS ACCOUNT (HSA) STRATEGIES
Given the rising costs of healthcare, are Health Savings Accounts (HSAs) a solution you should be considering? HSAs allow you to set money aside on a pre-tax basis to pay for deductibles, copayments, coinsurance and other qualified expenses, which can significantly lower your overall healthcare costs.
This may be a particularly important long-term strategy to have in place for your retirement. HSAs offer a deferred and potentially tax-free way to save and invest for future health expenses, covering out-of-pocket costs and helping to fill the Medicare gap. If you are eligible to establish an HSA under your employer’s health plan, we will discuss with you the tax benefits and growth opportunities, and whether it makes sense for you to maximize this strategy. If you own a small business, we will work with you to determine if offering an HSA plan is the right strategy for your company and your employees.
