Investment Management
Successful investment management starts with discipline. It is the cornerstone of your financial future. We manage your assets as if they were our own. We work to achieve our clients goals through appropriate growth and income, but also have a finite focus on risk and all of the competing forces that can impact a portfolio over time. Through extensive research, tactical allocation, and focused risk modeling and management, our portfolios are designed to help clients achieve their long-term goals.
Expertise Matters
Financial advisors have widely different levels of expertise. We believe that clients who entrust their wealth to an advisor deserve to work with highly credentialed experts.
- Custom Portfolios
- Science, Not Guesswork
- Expertise Matters
- Discipline and Flexibility
- Long-Term Focus
- Tax-Conscious
Retirement Planning
Financing retirement has become increasingly complex and can cause unnecessary anxiety, especially for those who plan to access their retirement assets in the next several years. An array of investment options, combined with fluctuating interest and inflation rates and other variables, make it difficult to determine how much you will need, where you should invest, and to whom to turn for assistance.
The complex tax and legislative environment surrounding retirement planning only compounds the confusion. With qualified plans, such as IRA, pension, profit sharing, and 401(k) plans, the timing and amount of withdrawals are critical in order to avoid additional tax penalties. And if you have accumulated significant qualified plan assets, you may face additional problems, such as the "Double Tax Dilemma," where the government can tax these assets twice.
Financial Planning
We combine thorough financial planning with customized investing to help you identify and achieve your most important life goals.
Customized Planning
Our detailed planning process allows us to gain a thorough understanding of each client's personal and financial situation, objectives, comfort level with risk and time horizon for achieving goals. This understanding allows us to:
- Create customized investment portfolios
- Help identify tax mitigation opportunities inside and outside of client portfolios
- Advise clients on estate planning with the assistance of our expert partners
- Advise on tax-efficient, impactful philanthropic strategies.
- Analyze existing risk mitigation and insurance strategies.
- Review existing debt and liability structures to determine if better options can be utilized.
Advice that Serves You
The guidance that results from our planning process is based on the sole criteria of helping you meet your goals. Are you focused on retiring comfortably, selling or exiting a business or leaving a lasting legacy? We seek the most appropriate, most cost-efficient products and solutions—and never those that don't help you reach your objectives.
Seeing the Big Picture
We recognize that no client's financial life is one-dimensional. Using our deep expertise in investing, tax management, risk mitigation and other areas, we can coordinate all elements of your financial life towards a unified end of reaching your bottom-line goals and achieving peace of mind.
Education Funding
Every parent understands the need to save money to cover the costs of a college education for a child, but not every parent understands the options available to them to fund such an important event in the child's life. Poor planning can force parents to cut back on everyday living expenses, liquidate retirement plans, borrow from insurance policies, mortgage their homes, and even seek additional employment to fund college costs. There are better options available. Let us help you explore your options and develop a plan to meet this very important goal.
Programs Available:
- 529 College Savings Plans/Qualified Tuition Program (QTP)
- Coverdell Education Savings Account
Our Approach
We focus primarily on working with individuals and small business owners. Thanks to our personal touch, we have built long-term relationships with our clients through generations and have assisted with the transfer of wealth for children of our clients when desired.
When you work with us, you receive a personal touch at all times that combines a traditional advisor approach with a money manager. This allows us to build our own trading solutions and do our own research for you rather than outsource it to a money manager who could be thousands of miles away from us and you. This comprehensive approach lets our team consistently provide you with the strategic recommendations in pursuit of your financial goals for many years to come.
ANALYSIS
This meeting focuses on reviewing your current financial situation. We go over balance sheets, cash flow statements, current holdings, etc. to better provide us a preliminary direction specific to your needs.
Not all OverRidge advisory services will be appropriate or necessary for all clients, and the potential value and benefit of OverRidge's services will vary based upon a variety of factors, including the client's individual investment, financial, and tax circumstances. Neither personalized services, nor a representative's professional credentials, should be construed as a guarantee of client satisfaction or any particular outcome. Past performance does not guarantee future results. All investing comes with risk, including risk of loss.
