Services
At Watershed Wealth Management, we offer access to comprehensive financial services that cover tax, trust, estate planning, investments, retirement planning, and insurance. Our team is comprised of skilled professionals who collaborate to help ensure our clients receive world- class care and insight. Additionally, we have IT, compliance, and operational support, enabling us to focus more on our clients’ needs and aspirations, rather than day‐to‐day administration. Our aim is to help you achieve your financial goals with our in‐house expertise and resources.
Investment Management
We will get to know you and your dreams, your attitude toward risk, and your target time frame for each of your objectives. Then we will take a proactive approach to diversify your portfolio across asset classes, including cash, fixed income, equities, and a myriad of other investment options, and periodically review your portfolio, making adjustments as needed to align with your risk tolerance and overall objectives.
- Diversification among multiple asset classes
- Consideration of different styles and strategies within asset classes
- Implementation of active and passive strategies
- Tactical asset allocation adjustments*
- Direct indexing strategies
*Tactical allocation may involve more frequent buying and selling of assets and will tend to generate higher transaction cost. Investors should consider the tax consequences of moving positions more frequently.
Financial Planning
We will work with you to develop a customized financial plan that targets your wants and goals, to work for you now and over the long‐term. Whether planning for your retirement, saving for your child’s education, making charitable contributions or leaving a legacy, we will get to know you and your ambitions and then build a plan to help you work towards them.
- Deep assessment of your current situation
- Goal setting for reaching targets
- Tax strategy integrated into your financial plan
- Modifications to your financial plan as life changes
Tax Planning
Including an effective tax strategy as part of your overall wealth and estate plan can help you increase your savings and pursue your financial aspirations. Ours is an experienced team that understands the latest regulatory issues and tax law changes to create tax efficient strategies for you designed to help reduce your tax burden.
- Proactive, creative tax analysis and year‐round planning
- Implementation of multi‐state tax strategies including residency and domicile
Risk Management/Insurance Analysis
Having income protection strategies in place can help you protect your family now and in the future. To build a sound financial plan, it’s a good idea to include insurance solutions to help protect against unforeseen events that could be catastrophic to you, your family, and your financial plan. Our experienced insurance team can help you evaluate solutions and recommend options to fit your family’s needs.
- Asset and income protection strategies
- Analysis of major insurance companies and product recommendations
- Life insurance audits and Long‐term care expense mitigation
- Estate tax elimination or minimization strategies
Trust Services
As you think about providing for your family for generations to come, you may want to consider establishing a trust. We will work with you and your trust attorney on strategies to help minimize taxes and maximize contributions. Our goal is to help ensure your wishes are carried out even when you’re not able to see them through yourself.
- Charitable planning and gifting strategies
- Generation‐skipping wealth transfer strategies
Investment advisory services are offered through Mariner Independent Advisor Network; other services may be provided by affiliates and may be subject to additional fees.
Diversification and asset allocation are investment strategies designed to help manage risk, but they cannot ensure a profit or protect against loss in a declining market. Investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing or planning strategy will be successful.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.