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Focused Life Planning

For clients that are looking for comprehensive planning and ongoing support, we offer our Focused Life Planning.

We understand that the wealth you have accumulated isn’t just dollars on a statement; it’s the measurable result of your life’s work.

Taking the time to understand your current situation, your values and goals, our team of professionals will develop a Focused Life PlanTM to act as a roadmap for life’s events. This process better assists us in managing your assets, providing advice and supporting you with decisions for your future. Utilizing a fee-based approach allows us to keep you and your goals first and foremost.2

Client Centered
  • Focused Life PlanTM – Comprehensive financial plan encompassing risk management, asset allocation, retirement planning, social security analysis, cash flow analysis, education planning and estate planning. Also included is a personalized web portal for tracking and data aggregation of your accounts to keep you better organized.1

  • Personalized Risk Assessment – Based on goals, age, investing time horizon, and risk preferences, we will create a personalized risk score to help you pursue your investment objectives.1

  • Holistic Advice – By analyzing your goals, objectives and risk tolerance your team will provide you with direction to help you better pursue your goals and how that ties in to your Focused Life PlanTM.

  • Customized Portfolio – Your advisor will have access to a variety of portfolios to recommend a custom tailored investment allocation for your needs.
Client Centered
  • Consistent Monitoring – Your portfolio is monitored regularly to keep you on track with your risk tolerance and goals. This includes regular rebalancing, tactical weighting, and tax-loss harvesting. Your plan is updated regularly.

  • On-going Communication – You will have access to weekly communication, timely and informative letters, and the ability to attend events offered throughout the year. We schedule periodic reviews, calls and access to our client portal.

  • Tax-efficient Investing – Through our process of discovery, we’ll seek to allocate your account in a tax-efficient manner, and consider the impact of taxes. This could also include the use of tax-loss harvesting at year-end.3

  • Team of Professionals – Access to a dedicated team of professionals with local offices. Wealth planners, portfolio managers and service staff available to support and answer questions you may have.

  • Educational Events – Marshall & Sterling hosts events throughout the year to support, educate and deepen relationships with our clients.

 1. There is no guarantee that the implementation of a Financial Plan will yield positive results.

2. Pricing disclosed in management agreement signed at account opening. Maximum advisory charge is 2%. Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification and asset allocation do not protect against market risk.

3. References to tax strategies that Marshall & Sterling Wealth Advisors service considers in managing accounts should not be confused with tax advice. Marshall & Sterling Wealth Advisors does not provide tax advice. Clients should consult with their personal tax advisors regarding the tax consequences of investing.