Investment Services
Financial Planning and Wealth Management
Investment Advice services covered on this page are regulated under the Investment Advisors Act of 1940.
Tax preparation services covered on other pages are separate and distinct services, not regulated under the Investment Advisors Act of 1940.
At Three Waters Financial, LLC, we offer a wide range of services designed to help clients achieve their financial goals with a personalized strategy for many of your financial planning needs:
Tax Efficient Investing:
Many otherwise well structured portfolios can be further improved through appropriate tax planning techniques. There are many strategies for tax efficient investing. Use the tax laws to your advantage by placing different kinds of assets in the appropriate accounts to maximize return and minimize tax liability. Locate income generating assets in tax sheltered accounts, locate long term growth oriented assets in after tax accounts. Minimize account turnover to defer capital gains. Manage an HSA like an investment vehicle and get tax free growth and distribution, all with a tax deduction for contributions. All of our planning and investing activities are done with consideration to tax efficiency.
Retirement Planning:
Create a plan to forecast retirement date, living expenses, and income needs. Make the most of tax sheltered investment accounts during the accumulation phase and efficiently manage distributions from multiple income streams (IRA, Social Security, pension, other savings, etc.) during retirement. Set up a small business retirement plan such as a SIMPLE IRA or individual 401(k) plan to increase tax sheltered savings for your employees and you.
Account Management:
Our account management service offers both discretionary and non-discretionary options to meet our clients' unique needs and financial goals. Through a meticulous approach that emphasizes diversification, strategic asset allocation, and regular rebalancing, we strive to achieve appropriate risk/return metrics. Our experienced team closely monitors market conditions and adjusts portfolios accordingly, ensuring they remain aligned with our clients' investment objectives. Whether clients prefer a hands-on or hands-off approach to account management, our expertise and personalized strategies aim to optimize their investment performance and foster long-term success.
Estate Planning:
There are many financial choices you can make while you are alive to reduce stress on loved ones after you pass. Understand the purpose and importance of several legal documents such as wills, trusts, and power of attorney, and use them to protect your assets. Review and update asset titling to avoid probate. Use gifting techniques to transfer assets during lifetime and reduce overall tax liability.
Comprehensive Financial Planning:
We understand that each individual's financial situation is unique, and there are numerous ways in which financial planning can provide value. We offer comprehensive financial planning services to help clients navigate various life situations and events, ensuring they have a solid financial foundation and a clear roadmap for the future. Whether you are planning for major life events, such as buying a home, funding education, starting a business, or preparing for retirement, our financial planning service is designed to empower you with the knowledge and guidance you need to make the best financial choices.
Consult this list and consider whether you understand and have planned adequately for common life situations and events.
How We Charge
Portfolio Management
Assets Under Management and Flat-Fee based discretionary account management to invest your money tax efficiently toward your financial goals.
Use When: You want a professional to manage some or all of your portfolio. You have a new or existing account that you don’t know how to invest or don’t have the time required to do it wisely.
Financial Planning
This is an hourly fee based service used for everything from creating a formal financial plan to simple or one-time financial and investing related projects.
Use when: You have a short term or “Project Based” need – something that has a start and a finish. A simple example would be converting an existing account from a Traditional IRA to a Roth IRA; you know what you want to end up with, but don’t know how to do it, or the things to avoid while doing it.
Add Professional Financial Management
Your investments are waiting, and the time to act is now. If you're seeking a reliable, efficient, and customer-focused financial professional to handle your investments, give us a call today at (970) 884-7330 or simply schedule a meeting by clicking the button below. Let us help you keep more of your hard-earned money in your pocket.
Get in touch today!