Comprehensive Wealth Management. Clarity. It changes everything.

Transcription

1 Comprehensive Wealth Management Clarity. It changes everything.

2 WHO WE ARE Knowing that you have a plan for your personal finances and retirement frees you to pursue your passions. At Avier, we take the time to listen to your story: to discuss your long-term goals and concerns to identify strategies specific to your unique wealth management needs. We focus on bringing you peace of mind and cultivating a long-lasting relationship built on trust and transparency. Our comprehensive approach to wealth management incorporates all areas of your financial Whether your retirement is decades life into one thorough plan. Based on your unique financial situation and risk tolerance, or days away, we can develop a we integrate your professional and personal objectives into simple yet effective steps. By personalized strategy to help you focusing on where you are in your life, as well as your goals, we are able to identify and financially prepare for your future. anticipate your needs to better serve you. Whether our clients are just entering the workforce or have been working for a while, planning for retirement is important and vital at any stage in a career. When it comes to saving for retirement, time is your greatest asset. We help establish solid saving and investing habits WEALTH CREATION Saving strategies Goal setting by maximizing your employer benefits and maintaining a consistent, disciplined investment Cash flow analysis approach. Instead of relying on emotional, often impulsive decisions, a well-allocated Debt management portfolio and consistent contributions provide the foundation for bringing clarity to retirement. RETIREMENT IN VIEW We take a proactive stance whether your retirement is far away or right around the corner. We help grow and protect your wealth, diversifying your portfolio across asset classes to reduce unnecessary risk. When the time is appropriate, we help you navigate the complexities of Social Security and other retirement benefits, and determine how they fit into your overall retirement plan. Decisions about your wealth shape your life and legacy. We identify ways to maximize your Risk mitigation Tax planning Social Security analysis Charitable giving RETIREMENT HAS ARRIVED investments and develop tax-efficient distribution streams so you can travel the world, buy a Wealth preservation second home, make charitable contributions to your community or simply live the lifestyle you want to live. Using proven strategies developed by universities and endowments, we focus on Tax-advantaged distribution strategies portfolio targets and developing a sustainable spending plan to give you confidence that you Legacy planning are on the path to a successful retirement. Advanced estate planning

3 HOW IT WORKS 1 DISCOVERY PROCESS Discover your goals through conversation Identify your needs and objectives Explore potential partnership and set mutual expectations Review and complete account documents 2 PLANNING DISCUSSION Evaluate risk tolerance Discuss short-term and long-term financial planning needs Begin development of financial plan and portfolio allocation 3 PLAN IMPLEMENTATION Deliver financial plan and investment strategy Discuss implementation and responsibilities Coordinate with outside professionals (CPA, estate attorney, etc.) Set up client portal access 4 ONGOING MANAGEMENT Analyze asset allocation Perform portfolio rebalancing Utilize tax-loss harvesting Systematically review needs and objectives

4 WHAT YOU GET Dedicated team of highly qualified, credentialed professionals Comprehensive financial planning Institutional-based, low-cost investment solutions Objective advice and individually tailored strategies YOUR TEAM Avier is committed to providing the highest level of personalized service. Each client partners with a three-person advisory team consisting of a lead advisor, associate advisor and client service associate. By maintaining a low client-to-advisor ratio, we keep our resources focused on our clients helping us form deep and lasting relationships. Lead advisor Coordination with outside professionals: tax planning, estate planning Operations team: Chief Compliance Officer, Client Service Associate Associate advisor CLIENT Portfolio manager

5 SERVICES INVESTMENT MANAGEMENT Asset allocation and diversification Institutional class investment options Outside account integration 401(k) review and monitoring Stock option management and concentrated stock options ESPP recommendations Deferred compensation plan analysis Expanded savings vehicles Existing annuity and life insurance review FINANCIAL PLANNING Retirement planning Social Security analysis Goal setting Budgeting and cash flow Insurance policy and long-term care review Philanthropic and legacy planning Real estate and mortgage analysis Company benefits analysis College analysis and 529 planning TAX AND ESTATE PLANNING Coordination with tax professionals Tax-efficient investing strategies Tax-loss harvesting Roth conversion analysis Coordination with estate planning professionals ANNUAL FEE SCHEDULE* As a fee-only fiduciary, Avier Wealth Advisors puts your interests first with our financial planning and investment advisory services. We ensure that your investment strategy is based on your interests, goals and unique financial situation, rather than generating commissions. We do not sell any financial products and only receive compensation directly from you. As a fiduciary, we are required by law to act in your best interest and are fully committed to doing so. $0 $500, % $500,001 $1,500, % $1,500,001 $5,000, % $5,000, % *Billed quarterly. For example, a client with $1,000,000 of investable assets will have a blended fee of 0.875% (first $500,000 billed at 1% and the next $500,000 billed at 0.75%). Minimum annual fee is $5,000.

6 BELLEVUE OFFICE LAKE OSWEGO OFFICE NE 4 Street, Suite Meadows Road, Suite 130 Bellevue, WA Lake Oswego, OR Phone: (425) Phone: (503) Fax: (425) Fax: (425) th Toll-free: (888) / info@avieradvisors.com / Web: avieradvisors.com Clarity. It changes everything. As of October For more information, please refer to our ADV at avieradvisors.com.