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OUR SERVICES

No stone left unturned. Comprehensive, coordinated & disciplined.

services


Investment Management

Our number one goal is to pursue better for our clients and provide you with the best experience possible.  Our investment management consulting services are holistic and comprehensive in their approach.  Therefore, our approach to investment management follows a disciplined approach that has been shaped by decades of research to determine the most efficient investment policy.  We believe that security prices reflect all publicly available information as intense competition among market participants drives prices toward fair value. Our comprehensive approach includes implementing a asset allocation strategy, managing your investments over the long term taking advantage of proper tax strategies. 


Tax Strategies

Given the closely acquainted relationship with our clients we become aware of financial situations that can be very helpful in tax planning. We work closely with clients CPA’s/ Tax Planning Attorneys to take these items into consideration as they likely have an overall impact on performance.  Here are a few ways we can help with your tax strategy:

  • Maximize tax-advantaged savings
  • Compiling the records of trading gains and losses in a secure format
  • Tax- efficient investing strategies
  • Limiting taxes in the distribution phase
  • Gifting Strategies 


Financial Planning 

Clients bring in financial concerns as different and unique as each of their own fingerprints. No two situations ever present in the same way.  The goal of financial planning should ultimately give you the peace of mind to know you are on the right track with your financial future.  



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Estate Planning

Possessing estate planning documents does not always mean the estate planning goals are going to be met.  We strive to implement a solid plan for our clients so you can avoid unnecessary death tax, unnecessary probate costs, and properly designate beneficiaries for your retirement accounts.  Furthermore we recognize the importance of a partnership between your financial advisor and a estate planning attorney to carry out your goals and objectives successfully.  



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Alternative InvestmentS

cor·re·la·tion - a mutual relationship or connection between two or more things. Correlating asset classes can cause and increase in portfolio volatility and potentially hurt long-term returns. We are constantly striving to achieve the optimum risk/reward levels or each of our clients. By including Alternative Assets into the construction of a portfolio there is evidence of further optimization as compared to a 100% “traditional” stock & bond portfolio. Liquid alternative investments can be a worthwhile complement to your portfolio allocation.  Depending on your goals, risk tolerance and objectives, liquid alternatives may add to the the potential for increased diversification, risk management and enhanced long-term performance in uncertain markets.  

Key Benefits of Liquid Alternatives:

  • Broader Diversification 
  • Ability to reduce risk/volatility 
  • Potential to Enhance Returns 
  • Hedge Fund Capabilities with Mutual Fund Benefits 

401(K) & Business Retirement Plans 

We understand that an employer-sponsored retirement plan is one of the most important employee benefits you can offer to your valued employees.  Selecting and monitoring a qualified retirement plan can be overwhelming for even the diligent plan sponsor, so LWM has developed a team of experienced, qualified retirement plan professionals dedicated to helping plan sponsors with hefty responsibilities.

Our specialty and expertise lies in helping to mitigate your fiduciary liability while maximizing investment opportunities, ensuring plan compliance, and helping plan participants achieve financial security.  With an objective and unbiased approach, LWM will help you to select, implement, and manage a robust qualified retirement plan.  As your retirement plan advocate and consultant, our core services include.

  • Investment Consulting- Retirement Plan Consulting
  • Employee Education- Retirement Plan Benchmarking
  • Co-Fiduciary Services- Plan Sponsor Resources


Income & Asset ProtectioN

We insure our homes, our cars, our health, our eyes, our teeth, and in California even against earthquakes. The concept of buying insurance to protect our income and/or assets is a complex one. The moment that we hear the terms "life insurance" or "annuity" an alarm seems to go off and alert us that someone is trying to sell us something that we don't need. While that may be the case in some circumstances, life insurance and annuities can actually serve a vital role in income and/or asset protection.

We take great care in selecting and purchasing a home and follow it up by insuring that home against potential unforeseen events in the future. Why would we not think about our income and assets the same way? Term life insurance can be an exceptional way to leverage a relatively small amount of premium, or cost, to protect our high income earning years while we are still building sufficient net worth to "self insure".

In similar fashion, once we reach a point of having enough to retire it might make sense to re-position a portion of our assets into an annuity to protect the principal from future market volatility and guarantee income for life. This is the same thing that a pension accomplishes, only now you get to call (most) of the shots.


Insurance products are complex in nature and require a professional who is licensed not only to sell insurance, but as also operates in a full time FIDUCIARY capacity for market based investment options. You then have access to the best of both worlds and can compare and contrast the pros and cons of an insured solution versus a non insured one. When you overlay a comprehensive financial plan to help identify what makes sense for you and why, it is then that you can make a decision whether you need to buy insurance to protect your income and/or your assets.

Financial Planning during divorce

Divorce is chaotic, stressful and overwhelming, and during this time your life can feel out of control. But surviving a divorce is not enough; you must also strive to create a peaceful environment with financial stability for yourself and your family. It is during this time you are asked to make incredibly important financial decisions that you may not be emotionally able to comprehend. Hiring a Certified Divorce Financial Analyst can help. Learn more about this service we offer at LWM by clicking here.




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