Guidance as you are

Leaving a legacy

Hope to support a person, cause or idea that means a lot to you?
Want to be charitable but not run out of money yourself?
Could use some help making sense of all the different charitable giving vehicles and strategies?

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Along the way, we help you answer the big questions that come with leaving a legacy.

Can a donor-advised fund help me?
Should I leave money now, or upon my passing?
What are the tax implications of my charitable gifts?

Debbie T’s story

Leaving a Legacy

I have worked with Steve and XML for many years. He keeps me well informed regarding the market and my accounts not only through relevant email communications, but by picking up the phone. He provides easy to understand analytics when we meet in person to discuss my accounts. My advisor is competent, enthusiastic, knowledgeable and helps take the financial stress out of my life.

Actual client. No compensation, cash or otherwise, was provided for said testimonial. No conflicts of interest exist between the client and the Advisor/XML.

Solutions for you and your family

Financial Planning

Our financial planning service goes beyond just numbers; it's about understanding your dreams and aspirations and crafting a roadmap to turn them into reality. We take a holistic approach, analyzing income, expenses, assets, and liabilities to develop personalized strategies that align with your short-term needs and long-term goals.

Whether it's creating a budget, saving for a child's education, buying a home, or planning for retirement, we're committed to guiding you every step of the way. Through ongoing collaboration and regular reviews, we can adapt our strategies to accommodate life changes, market fluctuations, and evolving financial priorities, helping you remain on track to achieve your desired financial future.

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Investment Management

We strive to adeptly manage your investments through a personalized and strategic approach tailored to your financial goals and risk tolerance. Initially, we assess your current financial situation, investment objectives, and timeline. Utilizing our team of professionals, we employ sophisticated analytics and research to help our advisors make informed investment decisions, aiming to optimize returns while managing risk. Your advisor will work with you to recommend types of accounts and an investment management plan tailored to your assessment.

Monitoring and rebalancing of your portfolio can address changes in market conditions and your evolving goals. Communication and reporting options keep you informed about portfolio performance and market insights. Ultimately, we strive to empower you to achieve long-term financial success and peace of mind through your investments.

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Retirement Planning

Whether you are years away from your retirement date or already living in retirement, planning for your post-career days is an essential aspect of financial planning that we work to address with all our clients. We will work to understand your retirement goals and develop a plan to help you get there. We like to address income planning in retirement, healthcare planning, tax planning and optimization, estate planning, budgeting, and saving during your golden years. Understanding these needs and your risk tolerance is an important part of retirement planning to mitigate your nest egg’s exposure to unnecessary risk.

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Estate Planning

We can assist individuals with estate planning, so that their assets are managed and distributed according to their wishes. We begin by reviewing your financial situation and estate goals comprehensively, considering assets such as property, investments, retirement accounts, and life insurance policies. We can help you implement a plan to align with the directives of your wills, trusts, and work with your power of attorney agents. If you are in need of an estate attorney, we can refer estate professionals whom we have a history of working with. Their expertise ensures that your estate plan aligns with current laws and regulations, maximizing tax efficiency and minimizing potential disputes among beneficiaries. Additionally, they provide strategies for asset protection and charitable giving, ensuring your legacy reflects your values and supports your loved ones for generations to come.

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Philanthropic Planning

Our goal with philanthropic planning is to help individuals and organizations maximize the impact of their charitable giving by understanding their philanthropic goals and values, whether supporting specific causes, creating a lasting legacy, or maximizing tax benefits. Through strategic guidance, we assist in structuring charitable donations through donor-advised funds, charitable trusts, or private foundations.

This involves working with your tax professional to analyze the financial implications and tax advantages of different giving strategies to optimize your philanthropic contributions. Additionally, we offer expertise in evaluating charitable organizations and programs to ensure your donations are effectively utilized. By integrating philanthropy into your overall financial plan, we can help you leave a meaningful impact on the causes you care about while aligning with your financial goals and values.

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Business Solutions

Creating solid business strategies is especially important to ensure the success of your company and its future. As experienced business owners, we understand your unique challenges. We use our experiences to help support you and your business with strategies and insights on business succession, risk assessment, executive and employee retirement planning, financial modeling, and building collaboration networks.

Our approach is collaborative; we work with you and our extensive network of trusted professionals to help develop needed strategies and a succession plan that considers leadership continuity, estate planning, tax implications, and the financial security of current owners and successors. We also provide ongoing support and can provide insights to help you adapt your strategies as your circumstances evolve. Together, we can help you navigate this journey to work towards a thriving future for your business.

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Insurance & Risk Management

Insurance and risk management can be significant components of financial planning to help individuals and businesses mitigate potential financial losses due to unforeseen events. We have financial professionals who are also insurance agents who can help guide you through these areas by assessing your specific risks and exposures. They analyze various types of insurance coverage, such as life insurance, health insurance, and liability insurance, to determine appropriate levels of protection based on your individual or business needs.

Risk management planning involves transferring risk through insurance and identifying, assessing, and prioritizing risks that could impact your financial goals. This proactive approach includes implementing strategies to mitigate risks where possible. Ultimately, clients can confidently navigate uncertainties, protecting their assets, health, and financial well-being against unexpected events that could otherwise derail their financial plans.

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Financial Planning

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Investment Management

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Retirement Planning

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Estate Planning

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Philanthropic Planning

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Business Solutions

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Insurance & Risk Management

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Resources for your financial journey

Each month, our team publishes articles, webinars, and videos covering critical financial planning, investment management, and estate planning topics.