Comprehensive wealth management that touches and integrates each aspect of your financial life
Successfully navigating the financial challenges that come with wealth involves cash flow analyses, financial 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.
A sound financial plan and cash flow analysis helps you prepare for your future while enjoying your today.
You talk to us. We listen then talk to everyone else. Your dedicated cash flow advisory team collaborates with our in-house financial planning specialists and your existing advisors to evaluate and manage your financial plan and keep your financial life moving forward.
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.
Your financial 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 analyze and update your financial plan for changes in your goals, cash flow, professional life, family situation, or tax law.
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 cash flow analysis, we help you understand these connections and incorporate them into your wealth management strategy.
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.
Planning to start a business? Just had a liquidity event? Considering an 83(b) 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.
Building an all-weather portfolio requires taking a collective look at all your investments, including 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.
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 insurance coverage, help you close any gaps, and implement asset protection strategies to better safeguard your family, business, and property.
It’s difficult to imagine life after you’re gone. But that’s precisely why estate and gift planning is so important. Without a plan for your estate, taxes may erode your wealth, and your family members and charitable causes may not be cared for in the way you intended. Our advanced estate planning and wealth preservation solutions help ensure this doesn’t happen.
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. Our financial planning advisors 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.
Longer-dated Treasury yields have climbed to multidecade highs, prompting the Treasury Department to expand its buyback operations; rather than attributing the sell-off to bond vigilantes rejecting federal fiscal policy, we see it as a normalization driven by traditional macro factors like economic resilience, shifting monetary policy expectations, and rising global interest rates.
A Trump Account is a new type of tax-advantaged savings account created under the federal tax code meant to give every American child a long-term financial foundation. If you have a minor child, it’s worth taking a few minutes to learn how a Trump Account works and decide whether opening one fits your family’s plan.
As part of the Opportunity Zone program, Qualified Opportunity Funds can provide significant financial and tax benefits. At the same time, owners of these funds must be knowledgeable about the estate-planning aspects of their investment.
You’ve saved diligently. You have an IRA, a 401(k), and maybe an annuity. But there are decisions embedded in common retirement account structures that many people don’t realize until it’s too late.
The concept behind PPLI is simple: by investing inside a life insurance policy, you take advantage of the favorable tax treatment granted to life insurance. Learn more.
For executives of public companies, a large source of wealth is derived from stock options, performance shares, restricted stock, and other stock-based compensation. In these inherently complex structures, long-term financial success often depends on a strategy rooted in careful accumulation, income tax efficiency, and protection against overconcentration.
A liquidity event—whether from a business sale, IPO, merger, or other transaction—creates a unique opportunity to design plans that minimize tax exposure and shape a lasting legacy. Watch our webinar to learn more.
Plan sponsors are simultaneously confronting heightened cybersecurity and distribution-fraud risk, SECURE 2.0’s Roth catch-up requirements, and an ERISA litigation environment increasingly focused on process and meaningful benchmarking.
When going through a divorce, the process of dividing assets can be a frustrating and confusing one. Retirement assets are an important issue in any divorce proceeding, since, after the marital home, they often represent the largest category of marital assets to be divided in a divorce settlement.
Canada is an appealing destination for successful Americans: It has a high quality of life, stunning scenery, and a culture that feels familiar yet refreshingly different. But the financial picture that comes with a move to Canada is genuinely complex in ways that catch even sophisticated people off guard.
Schedule your complimentary 30-minute discovery call so we can understand your unique financial goals and match you with an advisor well suited to your needs.
Principal & Client Experience Director
Principal & Client Experience Director
Principal & Client Experience Director
We look forward to connecting with you soon.
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