Financial Planning Solutions: Because Each Relationship is Unique
No two clients are the same. That’s why we believe in customized, objective-based personal financial planning. Our multi-faceted, often multi-generational, relationships are built on a foundation of trust and commitment. From portfolio management to charitable giving, trusts to wealth transfer, we seek to understand your goals and develop high-impact wealth management solutions.
Guidance That Helps Meet Long-Term Financial Goals
Asset Accumulation
- Establish goals and track progress
- Assist in managing family wealth dynamics
Asset Allocation
- Develop risk profile and capital appreciation expectations
- Implement risk-return and asset class frameworks
Retirement & Income Planning
- Assess current and future income needs
- Plan expenses and align portfolios accordingly
- Develop distribution and retirement planning strategies
Educational Savings
- Provide guidance on 529 plans and other educational savings options
Tax Efficiency
- Specialist in municipal and other tax-efficient investment strategies
- Interface with CPAs, tax, and estate planning attorneys
Insurance
- Coordinate with clients and outside parties concerning Life, Disability, Property, and Long Term Care insurance needs.
Our Financial Planning Approach
Consultation with Your Wealth Management Team
- Define goals
- Review current and anticipated personal/family balance sheet
- Identify lifestyle requirements and related budgeting factors
Plan Implementation
- Register accounts
- Establish asset allocation targets
- Execute asset transfers and other transitional steps
- Agree upon tax planning parameters
- Initiate the investment plan with attention to transaction costs and tax implications
Continual Partnership
- Establish a recurring meeting schedule and related communication plans
- Review progress, market conditions, and any changes to personal circumstances and goals
- Coordinate with outside professionals
At Appleton, we can help you navigate the intricacies and complexities around planning for your financial future. We pride ourselves on striving to understand each client’s unique circumstances, goals, and values in our mission to deliver solutions that make a difference to you.
Assisting in conversations with children and other family members concerning Intergenerational wealth transfer, including through preparation of the Appleton Family Notebook.
The Family Notebook serves as a “living” document while also sitting alongside estate planning documents as an easy-to-understand “what to do next” roadmap that lays out:
- the details concerning various assets,
- the structure of the estate,
- the rationale for having set up the estate in a given manner
- the protections that structure affords current and future beneficiaries,
- the names and contact information of various parties integral to the estate plan.
Assistance with special needs family members
- Developmental, Medical, Mental Health, Addiction, etc.
- Planning to aide families who need help in managing day-to-day finances and related support.
Planning for later-in-life financial needs
- Planning for aging-in-place, continuing care, and assisted living arrangements
Personal security
- Advice relative to trusted contacts, data security, and other personal protection mechanisms
Communication & insight
- We are here for you, whether to discuss your plan or to help answer questions on other financial planning matters. We strive to offer insight through a collaborative, long-lasting relationship
Wealth Perspectives
These briefs highlight real-world situations we regularly work through with private clients. By sharing these insights, we hope to create awareness and encourage positive action.
More Wealth Perspectives
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As private wealth managers, we consider our clients’ ultimate benchmark to be their personal financial plan. Helping clients reach their long-term goals drives us and is the most important measure of our success.
Kelly C. McKernan
Wealth Manager
