Wealth Management

Our wealth management service provides continuous monitoring and implementation of your financial plan, adapting as your situation becomes more complex.

• Podcast: The Benefits of Wealth Management Part 1
• Podcast: The Benefits of Wealth Management Part 2

Working in a wealth management relationship with FSI, you’ll have a team on your side to answer your ongoing financial questions and offer guidance throughout life’s unexpected financial situations.

• How We Help

The Wealth Management Difference

A one-time financial plan identifies current opportunities and offers potential long-term scenarios but isn’t suitable for multi-year advice due to changing life circumstances. Wealth management, with its annual analysis and ongoing attention, provides a more personalized approach and recommendations based on your current needs. 

This chart shows a breakdown of what you get from a one-time plan vs. an ongoing wealth management relationship:

Here’s an overview of our core wealth management services and examples of key questions they address:

Financial Plan

We will update your plan regularly to account for life changes and new opportunities.

• The importance of financial planning
• When can I retire?
• When should I claim social security?
• How to pay for my child’s college education?

Disciplined Investment Management Service

An effective investment strategy involves discipline, research, and a defined process.

• • Our Three-Step Investment Process, Five Things to Expect and Historical Results
  • Podcast Describing our Three-Step Investment Process
  • Financial Symmetry’s General Investing Principles

Estate Review

Our annual review helps ensure that your last wishes align with your beneficiary designations and existing legal documents.

• Are my estate documents aligned with my wishes?
• Is estate tax an issue for me?
• What are the appropriate beneficiary designations to use?

Cash Flow Summary

We’re here to provide feedback throughout the year on how you are doing compared to your plan for your spending and savings goals.

• How much should I save or spend annually?
• Is my spending on track vs. my financial plan targets?
• Do I have too much or not enough money in my bank accounts?

Tax Planning Opportunities

Throughout the year, we identify and take action on available tax-saving opportunities for you.

• What changes should I make now to save on lifetime taxes?
• Does a Roth conversion make sense for me?
• Should I contribute to my pre-tax or Roth 401(k)?

Tax Return Review

Our tax return review process may identify overlooked tax-saving efficiencies for amending your return and/or for future planning.

• Did I or my tax accountant make a mistake on my tax return?
• Do I need to amend a previously filed tax return to receive a refund?
• What opportunities did I miss last year that I can implement this year?