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FINANCIAL ADVISORY SERVICES

We help tech professionals thrive with financial strategies that go beyond money management. No more wondering if you’re making the right moves with your wealth. With Orchard City Wealth Management, we help you cover all your bases – soundly and efficiently.

FINANCIAL PLANNING

Financial planning is a process not a one-time event.

It is a process of understanding your past, present and future relationship with money, a process of checking in on your goals and aspirations, a process of making sure that when life throws you a curveball, we have a plan to meet that change.

Growing wealth with complex compensation structures necessitates careful review and decision-making. Our financial planning service provides clarity over your situation, visualization of what is possible, and a tactical roadmap for how to reach your financial goals and the life you need your money to support.

With financial planning, we cover:

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Developing an exit strategy for your company stock, RSU’s, ESPP’s
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Reviewing employee benefits options and elections to take full advantage of your company’s offering
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Helping manage and reduce your debt – mortgages, consumer loans, credit cards
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Understanding your cash flow requirements to live your ideal life
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Creating a plan to help you fund your children’s education expenses
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Understanding your charitable intentions and a plan to meet your goals
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Centralizing your financial accounts and information into real-time net worth statements

RETIREMENT PLANNING

Much of how you live and retire is determined by the decisions you’re making right now. That’s why we’re here. We draft the roadmap so you feel confident in your ability to retire when you want with financial freedom that sustains you throughout your lifetime.

ESTATE PLANNING

We make sure that your wealth is protected. To do that, we collaborate with your estate planning attorney to create, update, and maintain a will, living trust, powers of attorney, and other key documents. We also make sure that assets are titled properly and your beneficiaries and successor trustees are named and up-to-date. Lastly, we offer estate planning family meetings where we can explain your estate plan to your loved ones so that family members and beneficiaries understand the plans you’ve put in place.

TAX STRATEGY

We help you understand and anticipate the tax implications associated with your wealth. And we make sure your financial plan and the decisions you make with your money are tax-savvy.

With tax strategy, we cover:

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Active tax planning strategy discussions throughout the year
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Equity compensation (restricted stock unit, stock options, employee stock purchase plan) liquidation strategies
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Tax-advantaged savings accounts for medical expenses now and in the future
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Charitable giving optimization
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Tax-free investing options

INVESTMENT MANAGEMENT

We build an evidence-based investment strategy that is aligned with your financial life plan and properly allocated to achieve optimal after-tax results. We believe that portfolios should be broadly diversified, low-cost, with an eye toward protecting the downside as well as offering opportunity to the upside. As your financial advisor, we make sure your risk is always managed by rebalancing when necessary and performing tax-loss harvesting.

RISK MANAGEMENT

We assess the personal risks and liabilities you face and identify steps that can be taken to protect you, your family, and your assets, such as reviewing and recommending various levels of insurance. While we do not sell insurance, we do advise on coverage needs from life, disability, long-term care, auto, homeowners, and umbrella policies.

FAMILY CFO

As a team member of your circle of advisors, we take seriously our role as your family CFO. As such, you can count on us to interface with your other advisors to ensure your entire financial life is cared for and complete.

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Orchard City Wealth Management is always here for you.

Adapting

to your changing goals and objectives.

Optimizing

your current year tax planning so that you do not pay Uncle Sam more than is needed.

Updating

your retirement plan as needed.

Reviewing

your insurance needs as they change (homeowners, auto, umbrella, life, disability, long-term care).

Assisting

you in thinking about your estate and legacy goals.

Discussing

and providing ideas around charitable giving.

Acting

as a guide in dealing with family financial matters.

Providing

investment recommendations and rebalancing your portfolio as the markets change.