Our primary service is peace-of-mind. Although you always retain full control of your assets, you can relax knowing that a trusted advisor is on your team.
We use the following tools to help you achieve this peace-of-mind:
- Asset & Wealth Management – Investment management is so much more than simply choosing a place to plant your money and wait for it to grow. Research has proven that asset allocation is the most vital link in the process. RWM strategically customizes our recommended blends to each client with the economy in clear focus.
- Retirement Spending Plans – Do you know if you have enough money to last throughout retirement? We help you establish a realistic plan for spending during retirement that will give you a great likelihood of not outliving your assets. We also factor into this plan your gifting and estate legacy desires.
- Estate Planning – When asked, most people have in mind what they would like to see happen to the fruit of their life’s work. If you do not already have a trust and it is appropriate for your situation, we will partner with either your lawyer or a reputable and competitively priced one in Erie to develop a document to your specifications. In fact, many of our clients trust RWM to such an extent that they have named one of our two professionals as successor trustees over their assets. Unless the time demands are excessive, there is typically no additional charge for this service.
- Employer-Sponsored Retirement Plans – For many professionals, an employee-sponsored retirement plan can comprise the bulk of your invested assets. RWM will often include our client’s 401(k) or 403(b) into our asset allocation mix. We have found that for small companies, a Simple IRA is also a good option because it allows for virtually unlimited options unlike a traditional 401(k).
- Education Planning – There are many products and tools available to design a plan for college funding. Traditional custodial accounts and tax-advantaged 529 savings plans are among the options that we have used for our clients. A trust can also be developed to allow you to retain control of estate assets, which are earmarked for a certain educational purpose.
- Tax Planning – When dealing with a taxable account, it is imperative to consider the tax effect of placing trades. RWM is very knowledgeable in this area. We also prepare personal and trust tax returns for many of our clients regardless of their state of residency. For those that prefer to use their current CPA or tax professional, we supply investment-related tax information in a readable and timely manner in the early spring.
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