Holistic Financial Planning

Our clients have immediate access to our team for all financial related questions. Our team collectively has over 65 years of experience in the financial planning industry. All five team members earned Bachelor degrees in Finance or Financial & Estate Planning and have worked full-time in financial planning from graduation to present, with all 5 team members having earned CERTIFIED FINANCIAL PLANNER™ designation, 5 Chartered Financial Consultants (ChFC®) designations, 3 team members who have earned a Master of Taxation degree, 2 Retirement Income Certified Professionals, one member of our team with a Certified Investment Management Designation (CIMA), including 4 other professional designations.

Using current capital market forecast data, inflation, and the current tax system, our team helps clients establish and fund written plans which allows clients to annually see where they are in relation to their lifetime financial objectives. Using this customized planning data, we help our clients optimally structure their holistic investment portfolio to most efficiently meet or exceed their objectives. Over time, we proactively review our client’s portfolios to ensure they remain optimally invested as the job description of the portfolio changes (from accumulation to distribution, for example).

We have specialized training and a significant part of our practice involves creating cash distribution and sequence of return planning during the cash distribution phase of life (how do I replace my pre-retirement cash flow optimally?). From the assets our team of 5 Private Wealth Advisors oversee, we have sent distributions approximating $3 Million per month on average, over the past 5 years, to our retirees, (through the end of August 2021).

We review and assist clients with optimizing sources of future cash flows (including deferred compensation elections, Social Security claiming strategies, and pension optimization strategies).

We assist with tax planning strategies to ensure retirement income needs are being met in the most tax efficient manner. We are trained in advanced estate planning and are the catalyst for the explanation and implementation of estate planning techniques including family gifting and trust planning strategies to minimize transfer tax, if applicable, while protecting legacy assets generationally from creditors, predators, and divorce.

This publication is not intended as legal or tax advice. Financial Representatives do not render tax advice. Consult with a tax professional for tax advice that is specific to your situation.

No investment strategy can guarantee a profit or protect against a loss.

Ryan B Smith, CFP®, ChFC®, CLU®, M.S.T.

Private Wealth Advisor

 

To learn more about Northwestern Mutual Investment Services, LLC and its financial representatives, visit: FINRA BrokerCheck