HOW CAN WE HELP?
YOUR UNIQUE JOURNEY
Regardless of where you’re going, wouldn’t it be nice to have some guidance along the way to be sure that you are on the right path? Just like traveling, there is more than one way to arrive at your destination. By listening to your story, we gain a better understanding of your dreams and concerns. We interactively provide counsel and information to help you make smart choices ahead which can lead to different possible outcomes. It is your future, and we can provide you with the insight and tools to get you there.
While the investment industry has its own vocabulary, the team at Ethos has a focus on making the concepts and terminology understandable to you. Ask any question, we make no judgements. We only strive to understand your financial picture and to provide thoughtful answers for you.
PLANNING AHEAD
One of the first questions we hear is, “do I have enough?” That may apply to retirement, education goals, a new home or something else. To answer that, we need to understand what “enough” means to you.
From our experience, the most effective way to answer these questions is to holistically understand your goals and resources available to meet them. While the concept is simple, in practice, it can be quite complex depending on the intricacy of your situation.
At Ethos, you will receive an analysis to see how all the pieces come together. This builds a starting point to evaluate the impacts of possible choices and options. By collectively analyzing these matters with sophisticated software and interpreting it from decades of experience, we can begin to address your question about “enough”. We will demonstrate the various paths that may be ahead based on your choices throughout our relationship.
INVESTMENT MANAGEMENT
The Ethos team accesses a broad range of financial instruments and services to meet your needs through our business partners and affiliations. Your financial plan sets the course in building a portfolio that is based on your personal journey and attitudes towards risk.
Studies confirm our belief that the overwhelming determinant of success in an investment strategy is not based on a specific stocks or fund selection, but how the assets are divided among asset classes (e.g., cash, stock, bonds, etc.). The Ethos team seeks to deliver consistent long-term performance through scientifically constructed portfolios. In coordination with your plan, specific allocation to various asset categories is designed, and the underlying positions are selected from approaches that have demonstrated a consistent ability to outperform their peers.
BUILDING WEALTH FOR GENERATIONS
It is not a single strategy, but a combination of successful strategies that allow families to build multigenerational wealth. It requires involvement, education, gaining and passing along wisdom and providing the proper controls to assure that possible risks are either avoided or transferred. We can help you navigate this concept to assure that your family will have the best opportunity at success for generations to come.
YOUR SCOPE OF NEEDS MAY INCLUDE
Retirement Planning
Retirement Planning
Retirement Planning
Will you "have enough" income from social security, pension, portfolio income, passive income or large liquidity events?
Education Planning
Retirement Planning
Retirement Planning
Assuring you are meeting the funding goals of your direct or multigenerational family education desires.
Estate Planning
Retirement Planning
Estate Planning
Assuring that your wishes are met without confusion when you pass.
Risk Management
Business Owner Planning
Estate Planning
Understanding, avoiding or transferring the risks of breadwinner death, lawsuits, risk to real property and risk of health.
Tax Minimization
Business Owner Planning
Business Owner Planning
Methods to minimize tax exposure during your lifetime, identify tax favored solutions and effective wealth transition.
Business Owner Planning
Business Owner Planning
Business Owner Planning
Methods to keep, monetize or transition the wealth you have built in your business in accordance with your goals.