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Our Services

FINANCIAL PLANNING

We offer comprehensive financial planning services that help you define clarify and prioritize your financial goals.  Your financial plan is a roadmap that guides you towards achieving both your financial and personal goals.  We will help you understand where you are, where you want to go, and how you are going to get there.

“A goal without a plan is just a wish.”

                                                       - Antoine de Saint-Exupery

A comprehensive financial plan can include advice in some or all of the following areas, depending on your situation:

  • Cash flow and debt management                  
  • Investment review/analysis
  • Retirement planning                           
  • Education planning                            
  • Income tax planning                          
  • Estate planning
  • Insurance planning     

 

RETIREMENT PLANNING

We specialize in retirement planning for those at or nearing retirement.  Up to this point, the focus has been on the accumulation phase – saving and investing to maximize your retirement savings.  As retirement nears, it is time to turn the focus to the distribution phase, which involves more complex planning issues such as monitoring your withdrawal rate, balancing your investments, and tax-efficient distributions (just to name a few!).  We work with our clients to create sustainable retirement income strategies so they can obtain the most enjoyment possible from the available money they have during the rest of their lives.

“If we command our money we shall be rich and free. If our money commands us, we are poor indeed.”                                            --- Edmund Burke 

As you are nearing retirement, you may find yourself asking some of the following questions:

  • Have I saved enough for retirement?
  • Am I going to be able to retire when I would like?
  • How much can I draw from my investment accounts without running out of money?
  • Which accounts should I draw from first and what is the tax impact of such distributions?
  • When should I begin collecting Social Security and how can I maximize my lifetime benefits?
  • What should I do with the multiple investment accounts I have and how do I invest in retirement?

We will also explore with you lifestyle questions such as:

  • What would you like to do after you retire? How will you spend your time?
  • Will you live in your current house? Or will you downsize or move to another location?
  • How will supporting family members (parents, children) affect your retirement success?
  • How long will you live?  What is your family health history? 
  • What type of legacy do you want to leave?

We can help you lay out all the puzzle pieces of your financial life and organize them into a solidified plan that will help you to see the big picture and provide you with confidence that you are on track for an enjoyable retirement.

 
INVESTMENT MANAGEMENT 

Once our clients’ financial needs and goals have been identified, we then go about the task of designing and implementing a customized investment portfolio to meet said needs and goals.  Investing is a lifelong endeavor; with that in mind, our investment management strategy is long-term in nature.  Our goal is to design an investment portfolio that gives you the highest likelihood of meeting your lifetime goals. 

“If you don't know where you are going, you'll end up someplace else.”

                         - Yogi Berra 

Our investment process at BHWM combines more than 40 years of investment experience and study with the leverage of current technology.  Our investment management is done in-house.  We feel this strategy affords us the best opportunity to customize each client’s portfolio to their unique needs.

Get To Know Us

We offer a complimentary "Get Acquainted" meeting to describe our services, and to see if our services are right for you.

Contact Us Today