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Comprehensive Wealth Management

Investment Management

Achieving financial success can be a complex and confusing process, even for the most experienced investors. Continuum Wealth Advisors provides the necessary tools, personalized services, and expertise to help you develop a well-coordinated investment management plan that goes beyond a one dimensional strategy. We help you design a plan to help protect and increase your wealth, balancing both your short and long-term needs. Your portfolio is designed to be flexible, and as your portfolio evolves, we are continually monitoring its effectiveness and appropriateness.

Retirement Planning

Retirement income planning is an often-overlooked step in financial planning. While some firms only focus on the wealth accumulation phase, we see retirement income planning as an essential component to planning your whole financial strategy. While many variables like inflation, rising health care costs, and long-term care are important to plan for, we customize our approach based on your needs.

Our team can help you create a retirement income plan with the goal of providing a sustainable, predictable, tax-efficient stream of income based on your age, goals, and expectations of retirement. Understanding your goals today helps create plans that maximize your returns, optimize your investments, and achieve the success you desire. Common areas where are clients ask for help are around the following questions:

  • When can I retire?
  • What is the best way to pay for my children’s education?
  • How much cash flow can I expect to draw from my investments?
  • Can I afford a second/vacation home?
  • How much can I expect to leave my heirs?

Tax Planning and Preparation Services

Tax planning should be an integral part of your overall wealth management strategy.  Effective strategies can help reduce your tax burden and optimize your income, allowing you to maximize and efficiently transfer wealth to your loved ones and charities.

Our integrated approach of comprehensive tax planning and preparation services enables a multi-faceted strategy that can help minimize your tax liabilities and provide proactive investing solutions on your journey to achieve your goals.  Our clients include individuals, families, business owners, executives, and medical professionals.  We offer the following tax services:

  • Proactive tax analysis to identify areas of tax savings
  • Federal, state, and local tax compliance
  • Tax-efficient gifts and donor-advised funds
  • Multi-state strategies
  • 401(k) and IRA plan optimization and distribution strategies

Insurance Planning

Insurance is an important element of any financial strategy. We can help you create a plan that can protect and preserve your wealth including life insurance,  disability insurance, and long term care insurance. We have expertise in how to use life insurance for tax and business planning and we understand the tax benefits that makes it an effective tool to protect your family and achieving your goals. It can serve as its own asset class or as a compelling means of creating a secure retirement. 

We can help you utilize life insurance as part of an effective estate and retirement plan. We advise you in making the right choices about the best type of life insurance, along with the appropriate level of coverage, for your specific circumstances. We also work closely with you during the underwriting process, in order to obtain the best rating, which in turn provides the lowest possible premium. As an independent insurance advisor, we are not tethered to any carrier, so we can negotiate among all of the top carriers to get the most competitive rate.

Employer-Sponsored Retirement Plans

Continuum Wealth Advisors serves as a trusted advisor to employers, providing advice and consulting services for all types of retirement plans. We offer a comprehensive approach to managing your retirement plan and assist you, as the employer, to satisfy your fiduciary responsibilities as a plan sponsor. These services include:

Investment Reviews

  • Establish an investment committee.
  • Secure an Investment Policy Statement.
  • Lead routine investment review meetings.
  • Detailed fund analysis and recommendations.
  • Review of fund managers.

Cost Analysis

  • Recordkeeper, TPA, and custodian cost          comparisons.
  • Educate employer on, “Who is paying what?”

Provider Selection

  • Define employer’s requirements and desired plan features.
  • Advice on various platforms (e.g. bundled vs. unbundled).

Employee Education

  • Group education sessions.
  • One-on-one meetings.
  • Continual access to financial professionals.