WEALTH MANAGEMENT

Smart, Sustainable Strategies to Redefine Your Wealth

Understanding your values and beliefs helps guide you through life’s transitions

BakerAvenue’s team of experts provides a coordinated, integrated suite of financial life-planning strategies, starting with our proprietary financial planning Mosaic Process. This process helps us analyze what matters most to you in order to align your values with your investment objectives. Our services help prepare and guide you through personal and professional life transitions, and allow you to optimize what’s in your control – so you can better prepare for what’s not.

Our Process

In-depth wealth management solutions

Help prepare and guide you through personal and professional life transitions, and allow you to optimize what’s in your control – so you can better prepare for what’s not.

We will guide you to define your personal Mosaic plan that communicates an understanding of your priorities, interests, and aspirations while effectively linking financial strategies to your life goals.

Mosaic Approach

Wealth
  • Cash Flow Income Plan
  • Legal & Financial Reviews
  • Proactive Fiduciary Advice
  • Tax Planning
Investments​
  • Tailored Portfolios
  • Risk Analysis
  • Asset Allocation
  • Product Carbon Footprint
  • Direct Access to the Investment Team
Relationship
  • Cyber Security
  • Consolidated Reporting
  • Ownership
  • Access to 3rd Party Specialists
  • CPA & Attorney Collaboration
Communication
  • Quarterly Portfolio & Planning Reviews
  • Daily Access to Team of Advisors
  • Secure Online Vault
  • Financial & Weekly Market Updates

BakerAvenue Wealth Management Services

Trust & Estate Planning

Our advisors will work with you to create a trust & estate plan that includes succession planning and asset protection. We’ll discuss power of attorney, living trusts, wills, guardianship, and probate (what probate is, and how and why you may want to avoid it). We’ll develop a tax-efficient succession plan for your children and grandchildren that incorporates your values and legacy wishes. In addition, we will evaluate trusts to make sure your assets are protected. If you already have an estate plan, we’ll review it and offer guidance for any adjustments to align it with your priorities.

Benefits: When you’re ready to pass on your wealth, we’ll provide assistance on reducing estate and gift taxes, strategically managing your assets, and making distributions to your heirs – efficiently minimizing expenses, delays or probate.

Tax Planning

BakerAvenue will evaluate your current situation to identify tax-planning opportunities and obligations, and to address new tax laws and how they apply to your circumstances. We’ll guide you through life decisions that have tax implications, such as structuring a new business, buying or selling new property, gifting, contributing to a ROTH or traditional IRA, and retiring.

Benefits: Our dedicated experts navigate through complex and ever-changing US tax codes to provide direction on how these laws can work for you. ​

5 Min. Money Clips: Taxes, Potential Changes and Your Wealth

Retirement Planning

Retirement planning starts with talking about your timeframe and spending needs. Guidance for funding your future includes assessing the best balance of investments and tax-advantaged retirement accounts to help grow your wealth. Plus we look at other tools to safeguard your savings, such as living trusts, life insurance, and long-term care insurance.

Benefits: When you are saving for a financially secure retirement, time really is money. We’ll help you understand your best options for investing over the long term to meet your goals. Then we work with you to manage asset allocations to keep you on track in retirement.

Risk Management

We’ll look at your current situation and assess your risk exposure, and asset protection needs. We’ll evaluate your insurance policies and discuss options, including Life, Disability, Long-Term Care, Property & Casualty, Auto, Umbrella, etc. We can recommend implementation plans and tap into a range of insurance professionals.

Benefits: As part of our comprehensive approach to risk management, we understand the various insurance types and levels of coverage that clients need. Our team of advisors can identify gaps or overlaps in your current policies, and suggest ways to obtain and optimize necessary coverages for your family.

BakerAvenue is not an insurance company or agent and does not receive any compensation for policy recommendations.

Philanthropy

We pride ourselves on our commitment to understanding your core values, and integrating them to provide a customized, professional, strategic giving plan to achieve the highest possible social impact with your investments. We deliver services for all levels of philanthropic giving – from individuals making their first investment to those exploring entrepreneurial social initiatives that are bold, cutting-edge, and evidence-based. For those contemplating the establishment or growth of a family foundation, we perform high-level listening tours with all stakeholders to preserve generational values, optimize family harmony, and achieve long-term philanthropic impact.

Benefits: We advise clients about how to combine their passion and purpose with investments that deliver the performance to make meaningful change.

5 Min. Money Clip: Philanthropy and your Guide to Giving

Legacy Planning

BakerAvenue’s Legacy Planning Services team includes specialists in estate planning, law, and tax strategy to assist with the complexities of inherited wealth. If you wish to ensure your gifts have a positive impact, our advisory team can create high-impact philanthropic giving plans that ensure your legacy and values are honored. Lastly, BakerAvenue provides guidance on financial well-being, stewardship education, and mentoring for future generations.

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Benefits: Making your legacy an integral part of your wealth management plans can potentially save money for your heirs and beneficiaries. We work collectively to develop a family mission statement that captures your values and commitment to future generations. Our team of experts incorporate these values throughout every aspect of our work, and uses our learnings to guide and educate future generations on the responsibilities of wealth stewardship.

Family Office

Ultra-affluent individuals and families often have more complex situations and require services beyond the expected. For these clients, we offer customized analysis and guidance for complex financial-planning needs and family succession, including Family Governance, Trust & Estate Planning, Financial & Tax Planning, Investment Management, and Art Investments.

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Benefits: Our family office relationships are managed by the partners of our firm. We provide families peace of mind by helping to coordinate and manage the complexities of their financial lives. In addition, we design and oversee high-impact philanthropy and investment plans. And we partner with industry-leading companies to provide state-of-the-art cybersecurity and privacy protection for our clients. ​

Making an Impact
IMPACT INVESTING
Preparing for Retirement
RETIREMENT
Window
Widower
Selling a Business
Selling a Business
The Divorcee
DIVORCE
Managing a Concentrated Sock
Concentrated Stock
Making an Impact
IMPACT INVESTING
Preparing for Retirement
RETIREMENT
Window
Widower
Selling a Business
Selling a Business
The Divorcee
DIVORCE
Managing a Concentrated Sock
Concentrated Stock

Making a Social Impact

Debbie, a 40-year old mother of two teenage daughters, received a $4.6 million divorce settlement. In addition to leaving a legacy for her daughters, she wanted to support sustainable global food and water systems, and domestic diversity causes. However, Debbie was also concerned about outliving her assets.

Debbie’s objectives:
  • An investment portfolio aligning her social values with her financial goals
  • Portfolio protection against market downturns by reducing stock exposure in high-risk markets
  • A retirement plan to fund her legacy objectives and meet her lifetime cash flow needs
Impact management strategies for Debbie:
  • Created a detailed retirement plan that incorporated income and spending needs, which helped to determine a sustainable long-term withdrawal rate from the portfolio.
  • Implemented a customized investment portfolio using our Dynamic Core strategy with a tilt toward Socially Responsible (ESG) Investments
  • Leveraged our Impact investing screening process to determine her desired portfolio mix based on environmental, social, and governance guidelines
Results:
  • Used BakerAvenue’s Impact Investing screening process to choose investments based on environmental, social and governance guidelines.
  • Quickly and easily reference her retirement plan to stay on track with her spending.
  • Actively managing risk in her portfolio to reduce stock exposure during volatile times protecting her against unfavorable economic conditions.

Transitional scenarios described above are hypothetical based on possible financial needs and goals of a client(s). This material contains references to concepts that have legal, accounting and tax implications, and is not intended as legal, accounting or tax advice. Click here to view BakerAvenue's full disclosures.

When you need to discuss your personal and professional life transitions, BakerAvenue is here for you.