How can an advisor on a wealth management team serve you better than a stock broker ? Since no two clients are alike, Convergent integrates investing, estate planning, college planning, risk management, tax advice and business services into one complete personal solution for every individual, family or business we serve. As an independent firm, our actions will always reflect your best interests and serve your investment needs. Our services include:
To help you in meeting your financial objectives, we strive to ensure your investments are properly diversified with an asset management strategy, while actively managing for upside potential and employing defensive strategies for downside protection. Being fully licensed means we can pull from most any investment 'tool' to meet your needs. Your investment objectives, time horizon, and risk tolerance will drive your asset allocation and help determine the right balance for you.
We help you reach your life goals and maintain financial independence through retirement with confidence. The years of harvesting retirement savings are getting longer as we are living longer live and surviving spouses need to be ensured confidence after the loss of a loved one. Our retirement strategies plan for risks to portfolios, including inflation risk, longevity, and rising healthcare costs. In an era where many experienced ‘the lost decade’ of the stock market, we utilize proven strategies to design portfolios to reduce the risk of a volatile market without sacrificing the upside potential.
Few things can erode your savings quicker than potential long-term care, long-term disability, and healthcare needs. We use proven strategies to advance and protect your wealth to meet the rising costs of healthcare while also offering insurance to protect the assets you have worked hard to build. Risks to a portfolio can be mitigated by being properly insured.
A major concern among young families is determining how they will pay for their children’s college expenses, while still building their retirement. What are the alternatives, how much is needed, and how can you optimize taxes along the way? We help you evaluate funding and savings options and create an education strategy tailored to your needs.
Preserving wealth and leaving a legacy in a tax-efficient manner can be complicated and confusing. If an estate plan isn’t in place, your wishes may not be carried out, as the estate will be transferred to the state to handle according to probate laws. We work closely with an estate attorney to provide straight-forward planning designed to minimize taxes, avoid probate, provide for special needs trusts or personal trusts, and ensure that health directives are met.
With an integrated CPA firm, we have the privilege to include tax planning in all of our recommendations. We ensure that your portfolio takes into account tax advantages, and employ decisions with that tax strategy in mind. For our investing clients, we also offer personal and business tax preparation services, or simply free tax advice.