Wealth Management Services
We believe a personal approach to wealth management is essential for creating truly customized financial strategies. As such, we seek to comprehensively assist you with your planning needs and incorporate an array of services to help you intelligently and soundly pursue your long-term goals.
Wealth management services we provide include:
Investment management and planning
Our investment management services help determine your preferred risk-tolerance level, specific asset-allocation needs and the appropriate investment vehicles needed to help pursue your goals. We can help with:
- Portfolio management and risk analysis
- Asset allocation and diversification
- Review of outside assets
- Investment risk control strategy
- Second opinion reviews
- Portfolio stress testing
Pre- and post-retirement planning
By helping manage your assets before and after retirement, our retirement planning guidance is designed to make the most of your employer-sponsored retirement plans and IRAs, and determine how much you need to retire comfortable. We can help with:
- Retirement goal setting
- Social Security analysis
- Medicare planning
- IRA contributions and conversions
- 401(k) management and employer-sponsored plans
- Rollover services
- RMDs and withdrawal strategies
Employee retirement benefits
Offering your employees attractive benefit packages is a key component of ensuring their continued satisfaction and productivity. We will work with you to help to ensure your business attracts and retains qualified individuals through meaningful employee benefit plans.
Tax planning and management
Tax planning is always an important component to a solid financial plan. Year-end planning is especially important to make sure there are no surprises come April 15th. Our tax planning and management services help with:
- Review of cost basis
- Review realized gains
- Carry forward losses
- Tax loss harvesting
- Potential Roth conversions
- Deductions and credits
- HSAs and FSAs
Estate planning*
Working with estate planning and trust specialists through LPL Financial and your other professional advisors, we an help preserve your estate for intended heirs, review your wills and trusts, establish beneficiary designations and reduce potential exposure to estate taxes and probate costs. We can help you with:
- Wills and living wills
- Powers of attorney
- Beneficiary planning and reviews
- Gifting strategies
- Charitable giving
- Guardians for minor children
- Asset protection analysis
Education funding and Family services
College costs continue rising, and working together today, we can recommend investment and accumulation strategies to help you pay for your children's education tomorrow. We help you consider:
- College savings planning
- 529 college savings plans
- Roth IRAs for children
- Gifting strategies
- Elder care planning
- Legacy planning
Risk management and Insurance
We can assist you with sound risk management and insurance review strategies that effectively protect you and your family by reviewing your existing insurance policies and providing recommendations as needed.
- Review of existing policies
- Life insurance needs
- Long-term care insurance
- Medigap analysis
- Health insurance
cash flow and budgeting
Our financial planning services help you analyze your cash flow and help you create a reasonable budget based on your spending habits. We provide:
- Cash flow analysis
- Expenses and budgeting
- Debt management
- Planned purchases
- Emergency savings
- Mortgage review
Disclosures: Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Private Advisor Group, a registered investment advisor. Private Advisor Group and Albany Financial Group are separate entities from LPL financial.
*Albany Financial Group does not administer legal advice. On legal matters, we offer general guidance for planning purposes only.