Financial Planning:

Advice that honors your values

RISK MANAGEMENT

We will analyze your current risk exposures in a thorough insurance review. Based upon our findings, we may recommend changes and can implement solutions to protect your family from unexpected life events.

STRATEGIC TAX PLANNING

When making investment decisions, the effect on taxes must also be considered. Strategies to improve your current and future tax consequence are analyzed and presented. We often meet with our clients’ tax accountants to implement any changes. Philanthropy, if you are interested, is a key part of tax planning using Donor Advised Funds such as Schwab Charitable. You remain in control yet get a strategic tax benefit.

ESTATE CONSIDERATIONS

These vary widely depending on each client’s situation. Titling accounts properly, determining appropriate beneficiaries for assets of value, and avoiding probate are some common goals. We will discuss your options and refer you to a qualified specialist or your own counsel at the appropriate time.

YOUR GOALS AND VALUES

First we’ll focus on several key areas, the drivers of your financial plan, if you will. We’ll look at the entire wealth management scenario, because decisions in one area will have a ripple effect on others. In every case, we’ll pay close attention not only to your goals but also to the values you attach to each.

RETIREMENT ANALYSIS

We consider many variables, looking not only at goals but also at investment returns, inflation, savings rate, retirement year and Social Security benefits. For small business owners, there are some unique circumstances to address, such as business retirement plans and succession planning.

INVESTMENT MANAGEMENT

Based upon the risk profile of each client, Tempo will determine and implement an appropriate investment allocation. The allocation for each account – e.g., trust, retirement, education, emergency savings, etc. – may be slightly different, as the goals and time frames of each also vary.

RISK MANAGEMENT

We will analyze your current risk exposures in a thorough insurance review. Based upon our findings, we may recommend changes and can implement solutions to protect your family from unexpected life events.

STRATEGIC TAX PLANNING

When making investment decisions, the effect on taxes must also be considered. Strategies to improve your current and future tax consequence are analyzed and presented. We often meet with our clients’ tax accountants to implement any changes. Philanthropy, if you are interested, is a key part of tax planning using Donor Advised Funds such as Schwab Charitable. You remain in control yet get a strategic tax benefit.

ESTATE CONSIDERATIONS

These vary widely depending on each client’s situation. Titling accounts properly, determining appropriate beneficiaries for assets of value, and avoiding probate are some common goals. We will discuss your options and refer you to a qualified specialist or your own counsel at the appropriate time.

Strategic investing:

Setting the pace for success.

TRANSPARENCY:
A FEE-BASED APPROACH TO WEALTH MANAGEMENT.

What do we mean by transparency? It’s quite simple. Our fee is a small percentage of assets managed, so you always have a clear view of your future. You see not only where you’re going and how you’re getting there, but also what your fees are. No surprises along the way. Obviously, the more your assets grow, the more successful we are. It’s a win for both of us.

YOUR PERSONAL PORTFOLIO

We develop a portfolio created for your specific circumstances, such as risk tolerance, time horizon and financial goals. Investments are diversified, usually placed in mutual funds or exchange-traded funds (ETFs). We use ETFs primarily because they provide instant diversification of the broad market, plus specific sectors such as financial, health care, emerging markets and dividend-paying stocks. ETFs also provide low trading costs, low fees, tax efficiency and a broad range of offerings. Fund allocations are adjusted periodically based upon a variety of factors such as market cycle, domestic and international economies, etc. Your portfolio is monitored on an ongoing basis. Additionally, your circumstances change over time; goals adjust, risk tolerance is dynamic, and every year we all get older. We will meet with you regularly in order to keep your portfolio in-line with your life and your goals for the future.

TRANSPARENCY:
A FEE-BASED APPROACH TO WEALTH MANAGEMENT.

What do we mean by transparency? It’s quite simple. Our fee is a small percentage of assets managed, so you always have a clear view of your future. You see not only where you’re going and how you’re getting there, but also what your fees are. No surprises along the way. Obviously, the more your assets grow, the more successful we are. It’s a win for both of us.