Services

A Holistic Method of Financial Planning with Two Parts

• Construction of Tailor-Made Portfolios
  • Using multiple sources, analysts, and software applications, we build a
    custom portfolio for your individual, personal needs.
    
  • We perform quarterly monitoring of every investment we employ to
    ensure that it meets our standard for use in your portfolio.
    
  • Your quarterly fees are based on your total household portfolio (See below
    for our fee schedule).
    
  • We hold ourselves to a fiduciary standard and act in the client’s best
    interest.
• Other Services Included with the Pines Wealth Management Program
  
  • Regularly scheduled reviews of the entire plan to ensure staying on track
    and to consider any changes to goals or timeframes
    
  • Research and service
    
  • Insurance needs analysis and recommendations
    
  • Retirement needs and goals assessment
    
  • Financial advice and recommendations on assets not yet managed by
    Pines, such as employer retirement plans
    
  • Advice for family members on smaller plans that might not qualify for the
    WMP

We help you see the big picture.

Our financial planning services provide a clear roadmap to
align your income, assets, and goals—so you can make confident, informed decisions.
• Goal-Based Planning
• Budgeting & Cash Flow Analysis
• Net Worth Evaluation
• Debt Management Strategies

Your investments should work as hard as you do.

We develop and manage customized portfolios designed to match your risk tolerance, timeline, and financial goals.
• Personalized Investment Strategies
• Portfolio Monitoring & Rebalancing
• Risk Assessment & Asset Allocation
• Tax-Efficient Investing

We help you build a secure and sustainable retirement income strategy.

Whether retirement is around the corner or decades away, it’s never too
early—or too late—to plan. 
• 401(k), IRA, and Pension Guidance
• Retirement Income Planning
• Social Security Optimization
• Withdrawal Strategies

Protecting what you’ve built is just as important as growing it.

We assess your insurance needs and help ensure you’re covered where it counts.

• Life & Long-Term Care Insurance Reviews
  
• Asset Protection Strategies
• Income Projection

We collaborate with your legal and tax professionals to help ensure your financial plan is fully aligned and optimized for both today and the future.
• Tax-Efficient Strategies
• Charitable Giving Planning
• Estate Plan Coordination
• Legacy Planning