Get your "financial house" in order.
Retirement can take many paths… travel, time with family, volunteer work, hobbies, or maybe even a new career.
Regardless of the path, there tends to be some anxiety around the topics of wealth management and finance.
Our strength is building financial plans which include investments that are "easy to own", through a unique and holistic planning approach to managing risk and volatility while helping our clients navigate decisions that align both mathematically and emotionally.
Your financial plan is a dynamic document. As your needs and goals evolve, we make pivots to protect your overall financial picture.
Through our process, client's financial literacy increases as well their confidence, helping to replace fear & anxiety.
Let us help take the stress and uncertainty out of your wealth management.
The Exitus Process
Financial representatives do not render tax advice. Consult with a tax professional for advice that is specific to your situation.
Our Philosophy
Protect
- Mitigate accumulation risk through appropriate insurance planning.
- Maintain healthy cash reserves and emergency funds.
Optimize
- 80/20 Rule: Live on no more than 80% while strategically savings a least 20%.
- Prioritize systematic, habitual savings.
- Take advantage of all “free” money: Matching, Employee Stock Purchase Plan discounts, RSUs, etc.
- Audit the three stages of taxation: accumulation, distribution, and transfer (legacy). Utilize tax-favored tools where available.
- Evaluate paying off debt other than mortgage (cars, student loans, etc.)
Accumulate
- Construct portfolios to align with desired outcomes: Time in vs Timing the market. Asset Allocation and Asset Location:
- What to own vs Where to own.
- Focusing on after-tax outcomes.
Distribute
- Growing money and spending money are like night and day.
- Planning for the distribution phase require analysis of: Tax Bracket Management, Time-weighted asset allocation, Social Security and RMD education planning. Planning for the 5 risks of Retirement
Legacy
- Our happiest clients live for a purpose bigger than themselves.
- Be deliberate about who and where your money goes to.
- You cannot take it with you. It goes to family, charity, lawyers or the Uncle Sam.
- Tax efficient transfer of wealth.