Financial & Retirement Planning
You’ve done the work.
We help make sure your financial plan
complements the life you’ve built.
Most people come to us with significant savings but feel uncertain about what to do next. Whether you are funding a child’s college education, considering retirement, managing a business transition, or sorting through competing priorities, Peak can help you gain clarity and
confidence in the journey ahead.
We work meticulously and with integrity. We have a genuine interest in getting it right. And we love what we do.
What Does Comprehensive and Holistic Financial Planning Mean?
Choosing the right investments is a critical step. But equally important is electing the appropriate accounts to harbor the investments.
Peak assists in optimizing your tax planning by strategically diversifying your holdings across pre-tax, Roth, and taxable accounts, with a focus on reducing your overall lifetime tax exposure.
When do you have enough savings to retire with confidence? Is it prudent to take your pension in a lump sum or a monthly payout? What about guaranteeing a surviving spouse’s benefit? Should you convert IRA money to Roth money, and if so, what is the optimal timing and amount from a tax planning perspective?
We help clients answer these questions and others by modeling the tradeoffs involved in all planning decisions so you can make informed choices with confidence.
Keeping an eye on potential risks that can derail a well-considered plan is always prudent.
From long-term care event modeling to managing concentrated stock positions, Peak assists clients in preparing for unexpected and challenging situations. By forecasting a range of possible outcomes early and addressing all forms of risk proactively, our clients are empowered to make informed determinations regarding their investments and financial plan.
Higher education expenses continue to rise and can provide a daunting financial challenge for many families. Knowing all your options, whether in the early or late stages of the process, is crucial to taking advantage of available savings techniques.
Peak models out how much is projected to be needed, addresses when to start saving, and reveals which accounts are best to utilize for education planning purposes. 529 plans, Roths, brokerage and custodial accounts should all be contemplated, but they should be considered part of the overall solution.
Will your child qualify for needs-based or merit-based aid? Will your child be attending a public or private school? In-state or out-of-state? Are there other family members contributing? Do you have more than one child? With all the variables at play an integrated approach is needed. Peak will provide this approach in the context of your broader financial plan and objectives.
Cash flow management is at the heart of every financial plan. Managing both non-discretionary and discretionary expenditures is a critical building block to achieving financial freedom.
Peak’s objective is to provide a clear picture of a spending range that is sensible based on all factors. We are not here to micro-manage you – no need to categorize every Chipotle run. We concentrate on automating savings, building buffers and safeguarding surpluses.
And when purchasing bigger ticket items, our approach is to model out these decisions for review and analysis so a judicious approach is taken to bestow directional confidence.
Financial planning and choosing the right investments are not separate, isolated tasks. These are integrated elements of wealth management and both processes should be communicative with one another. For example, as planning objectives change (e.g., you decide to retire earlier, you plan to give business interests to your children), this likely will be impactful to your strategic asset allocation. Sound planning decisions rely on a comprehensive and coordinated wealth management framework.
With that said, Peak doesn’t chase returns. We build portfolios that reflect your goals, risk tolerance, and time horizon, primarily using individual stocks, ETFs, and mutual funds. We take a well-structured and disciplined approach. And the carefully constructed financial plan remains instructive to our investment management process. The left hand always knows what the right hand is doing.
Our Core Philosophy: Fiduciary Always
Clients come first. No exceptions. We don’t sell products. We don’t earn commissions. We’re full-time fiduciaries, legally and ethically obligated to act in your best interest.
Planning That Evolves as You Evolve
Your plan isn’t a one-time instructional document that is designed to survive the test of time. It’s fashioned to be a living, strategic initiative that adopts as your life changes. We meet regularly to review, modify, and help you stay on track, through market swings, life transitions, and everything in between.
Let’s Build Something That Lasts
We’re proud to be in the business of building relationships of trust. If you’re looking for a long- term partner who brings technical expertise and personal care to every conversation, we’d love to connect with you.
