“We believe the wealth management process always begins with a plan…”
By design, Altavista is focused exclusively on assisting you with the complex task of managing your wealth. We believe the wealth management process always begins with a plan… knowing where you are now, where you want to be, and what it will take to get there.
Managing your wealth can be a daunting task, particularly given dynamic investment and tax climates. Our integrated and personalized plans take into account the unique facts and circumstances of your life. Our personalized approach to planning is comprehensive, customized and unbiased. With an experienced team in place, you and your family benefit from a coordinated approach to the management of your wealth. At Altavista your financial plan is integrated with your investment portfolio and fiduciary services as part of an ongoing process.
Financial Planning services may include:
Financial Statement Analysis
Cash flow statements and net worth reports are often integral components in financial planning. These reports can provide a comprehensive overview of your finances. This insight can provide a structure for goal setting and, when viewed over time, provide feedback on the progress of your financial plan.
Your tax situation can play a large role in your financial plan. One scenario could produce opportunity to recognize capital gains while another produces a focus on tax reduction strategies. The Altavista team is well equipped to review your scenario and implement a financial plan that best addresses your situation.
Risk Management Analysis
Risk exposure is a primary threat to financial success. Individual situations call for unique risk management strategies. There is no one-size-fits-all model. Your career, age, income, net worth, assets, health and hobbies combine to form a unique risk profile. We can help determine if these risks are appropriately insured.
No two portfolios are the same. Individuals have unique goals, lifestyles and assets. The first step of our investment process is to evaluate the investment strategy currently in place. Through a combination of software and advisor review, we seek to locate and correct portfolio inefficiencies. The resulting portfolio should be one that reflects your unique aspirations and is appropriate for your financial plan.
Whether it be travel, enjoying time with grandchildren, or a quiet life on the back porch, retirement is a primary motivation for saving and investing. However, each individual has a unique set of retirement savings options. We evaluate the retirement savings vehicles strategies currently in use available to meet post-career goals. Next, we analyze projections of retirement plans through multiple scenarios. This allows us to provide recommendations to improve the likelihood of retirement plan success.
Estate Planning Documents Review
Your estate planning documents are important in confirming the implementation of your wishes and goals. In partnership with your attorney, we help confirm that your wishes are accurately described in your documents. Our review process not only seeks accuracy, but also efficiency. This process will help confirm that your documents will implement your bequests in a tax and time efficient fashion.
Executive Benefits Analysis
Executive benefits plans can produce rewarding financial outcomes. They can also be complex in their structure. These benefits represent a myriad of tax and investment implications. Our team is ready to help you review your options and optimize your compensation benefits.
We seek to help you accomplish your charitable intent. Of paramount importance are the evaluation of funding options and the tax implications of the gift. Our team has experience implementing philanthropic strategies that focus on best achieving a wise use of funds along with gains in tax efficiency.
The Altavista team has strong experience advising individuals through business sales and succession. This transaction serves as a central component of a business owner's personal finances. We help you integrate the outcome with your long-term financial plan.
Please Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific request and needs of the client. Altavista Wealth Management, Inc. (“Altavista”) does not serve as an attorney, accountant, or insurance agent. Altavista does not prepare estate-planning documents or tax returns, nor does it sell insurance products.