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A Road Map for Preserving, Protecting and Growing Your Wealth

Successfully navigating the financial challenges that come with wealth involves planning, relevant advice, and an advisor who’s not afraid to say no when you ask, “can I afford this.” Cerity Partners does all three.

We examine every aspect of your financial life and balance sheet, helping you create the best path forward for your current circumstances and long-term goals. Our discussions cover:

  • Personal business assets
  • Savings and expenditures
  • Investments
  • Compensation packages
  • Retirement accounts
  • Debt and tax obligations
  • Estate plans

A sound financial plan helps you plan for your future while enjoying your today.

Comprehensive Financial Planning— A More Efficient Way to Manage Your Wealth

Due to the complexity of your personal financial situation, you’re likely coordinating multiple advisors, each with their own area of focus. We believe there is a better way.

  • Streamlined Coordination and Execution. You talk to us. We listen then talk to everyone else. Your dedicated advisory team collaborates with our in-house specialists and your existing advisors to manage your plan and keep your financial life moving forward.
  • Comprehensive, Consolidated Reporting. While you’ll still receive your statements and policies, our reporting system consolidates the information for your review and convenience. We track and summarize your finances so you always know exactly where you stand today and the progress you’re making towards your goals.
  • Ongoing monitoring. Your plan is no good if it gathers dust on the shelf. It needs to evolve with the expected and unexpected events of your life. We meet with you regularly to review and update your plan for changes in your goals, professional life, family situation, or tax law.

Impactful Advice. Integrated Solutions. Simplified Administration.

Each aspect of your financial life plays a distinct role in preserving, protecting and growing your wealth. Moreover, the decisions you make in one area often impact the others. Through our comprehensive financial planning and analysis, we help you understand these connections and incorporate them into your wealth management strategy.

Cash Flow Analysis

Understanding your current financial situation is the first step in creating a plan to achieve your goals. This understanding comes through assessing your family’s net worth and spending habits as well as income and expense projections. We also review your existing debt obligations and the potential impact of any new liabilities.

Cash Flow Analysis
Tax Planning and Preparation

Planning to start a business? Just had a liquidity event? Considering an 83b election? Whatever your situation, we help you put the strategies in place to minimize your current and future tax liabilities. Our tax planning services also include detailed tax projections and the preparation of your personal, business and trust returns.

Tax Planning and Preparation
Investment Management

Building an all-weather portfolio requires taking a collective look at all your investments—benefit and retirement plan accounts, IRAs and personal investments. We evaluate your entire investment landscape and structure our asset allocations accordingly, taking into account employer stock and other concentrated securities.

 Investment Management
Risk Management and Insurance Planning

Having the proper type of insurance is essential for protecting yourself and your loved ones from life’s unexpected events. Equally important is how your assets are titled. We assess the adequacy of your current coverage, help you close any gaps, and implement asset protection strategies to better safeguard your family, business and property.

Risk Management and Insurance Planning
Estate Planning and Wealth Transfer

It’s difficult to imagine life after you’re gone. But that’s precisely why estate planning is so important. Without a plan, taxes may erode your wealth, and your family members and charitable causes may not be cared for in the way you intended. Our advanced planning and wealth preservation solutions help ensure this doesn’t happen.

Estate Planning and Wealth Transfer
Retirement Planning

Am I saving enough now to generate the income needed for the lifestyle I want in retirement? That’s the burning question for most people—and one we help answer. We work with you today to make sure you’re contributing enough to comfortably meet your retirement needs, taking into account any executive compensation plans. Then when the time comes, we’ll help you select and execute the best funding strategy for your goals.

Our obligation to protect a client’s financial well-being extends to the next generation. We help their children and grandchildren become financially savvy and prepare them to handle wealth.

Stevon Forrester

Principal

Committed to Your Financial Well-Being

Wealth is an extremely personal and often emotional topic. You need an advisor who acts solely in your best interest. That’s Cerity Partners. Our advisors embrace their fiduciary role as stewards of your money and provide truly objective advice.