Confidence Today. Security for Your Family Tomorrow.
Financial Planning has two main benefits: it ensures you’re taking the right steps today for your family’s future and gives you peace of mind. Our advisors take time to understand your unique situation, spot pain points, and uncover hidden issues. We help clarify your financial goals, then build a comprehensive plan covering finances, investments, insurance, estate planning, and taxes.
We also coordinate with your existing tax, legal, and insurance professionals — or connect you with our trusted partners if needed.
“If you don’t know who you are, investing is a very expensive way to find out.”
– Wall Street Proverb
Our Philosophy
Be professional. Build relationships. Maintain trust.
We believe every successful relationship is built on trust and openness. That’s why we treat our clients as partners, sharing our expertise and resources to help you feel empowered. This transparency keeps us accountable and gives you the confidence that your plan is always moving in the right direction. Together, we develop customized strategies that we track and adapt as your life changes, focusing on three core pillars: providing clarity, educating you on wealth management, and making measurable progress toward your future.
- Personalized Service
- Dynamic Asset Allocation
- Ongoing Oversight & Optimization
- Full Transparency
- Tax-Efficient Strategies
Optimized for Success
We believe a portfolio should be a reflection of your current reality, your future goals, and your unique life circumstances. We partner with individuals and institutions to design strategies that optimize the probability of your success. To achieve this, our investment philosophy is built on five core pillars:
- Strategic Asset Allocation: Aligning your resources with your long-term vision.
- Fundamental Analysis: Ensuring every investment is backed by deep research.
- Disciplined Diversification: Managing exposure to enhance stability.
- Risk-Reward Optimization: Balancing growth potential with capital protection.
- Real-Time Market Analysis: Adapting to current risks and shifting landscapes.
As an independent firm, we are not tied to proprietary products. This allows us to remain objective, exploring a broad spectrum of options to help our clients build and preserve their wealth.
Personalized Portfolios
Financial advisors often talk about customization. But to us, it means something different. Instead of simply putting you in a model portfolio based on your risk tolerance and age, we truly design an appropriate portfolio for you. Before we recommend a single investment, we consider:
- Your financial goals – future income needs, the desire to leave a legacy to the next generation, etc.
- The significance of all your assets and available income sources – business interests, real estate, Social Security and pensions, etc.
- Expected impact of income and estate taxes – current and future.
- Time horizon – short term, midterm, and long-term goals.
At Caliber Wealth, we evaluate all of these elements and much more to create a portfolio that truly reflects your personal goals.
Financial Planning Services
Retirement Planning for Individuals
Are you on track for retirement? Do you have the right retirement vehicles in place? What course corrections might be in order? Our advisors can help you plan for your retirement, whether it is years away or you are already in the thick of it.
Income Tax Planning
Does your income tax plan dovetail with your financial planning, investment planning, and estate planning? Our advisors can help coordinate among your lawyers and CPAs to make sure everyone is on the same page and rowing in the right direction.
Advanced Financial Planning
There’s a need for advanced financial planning among certain individuals to navigate complex financial landscapes. Are you considering a large gift but want to know if you can afford it? Are you selling your company and want to know if you’ll be able to retire? Our advisors can help inform your decision with advanced financial planning.
Succession Planning
Figuring out what to do with your business as you near retirement can be one of the most impactful decisions you will make. Our advisors can help you understand your options and implement a plan.
Family Office Solutions
Family Office Solutions encompass many aspects, some of which you may be excited about doing yourself. But there are often many components you’d like to offload to someone else. Our advisors can help you design your own unique family office structure and provide guidance on what may be best to offload.
Estate Planning
Defining who makes decisions and what happens to your children and assets in the event of your passing or disability can be intimidating. Our advisors can help you navigate the various considerations and coordinate with your attorney and CPA to make sure your estate planning is up-to-date and dovetails with your tax, financial, and investment planning.
Legacy Planning
What legacy do you want to leave behind? This question extends beyond monetary considerations. Our advisors can help you think through these issues and even project some numbers to inform the planning process.
Education Planning
Saving and investing in your kids’ and grandkids’ education pays real dividends. Our advisors can help you understand the right investments and the right vehicles, as well as the accompanying tax implications for your situation.
Charity and Philanthropy
Have you wondered how much you can afford to give to charity, how to do it tax efficiently, how you should structure your giving, and how you can involve your family? Our advisors can help you navigate the complex and exciting world of charitable and philanthropic planning.
Regular Planning Strategies
Your personal life, tax situation, financial picture, and family dynamic often changes gradually over time. Sometimes, things can change unexpectedly and abruptly. Our advisors offer regular planning strategy meetings with you and encourage inviting your attorneys and CPAs. Of course, they’re always happy to meet ad hoc, too.
Coordination with Other Professional Advisors
Your financial advisor, estate planning attorney, and CPA are the three pillars of your financial team. Other professionals, such as insurance specialists, come into the picture, too. Our advisors work tirelessly to coordinate with all your professionals to make sure they are on the same page, rowing in the same direction, and staying on task together.
Insurance and Risk Management
Insurance plays a huge part in protecting your assets, family, and lifestyle. Our advisors understand the world of risk and have access to a wide array of life, disability, auto, home and other insurance products to help keep you protected.
Stronger 401(k) Performance. Less Administrative Work.
Our 401(k) services are designed to enhance investment performance while significantly reducing the administrative burden on your team. We provide an end-to-end partnership that optimizes for your success.
Investment Excellence
We leverage powerful research and customizable screening to build sophisticated model portfolios that simplify the investment process for you and your participants.
Operational Integration
We unburden your staff by managing complex administrative tasks, including the seamless integration of your payroll systems with your 401(k) plan.
Fiduciary & Vendor Oversight
Our team provides objective vendor selection and fee benchmarking to ensure your plan remains competitive. Should your plan require an independent audit, we provide expert referrals and support to streamline the process.
401(k) Services
Plan Consulting & Design
We architect customized retirement plans specifically tailored to serve the unique objectives of your business, the plan sponsor, and your participants. By mapping out a strategic framework from the start, we ensure your plan is built for long-term efficiency and success.
Investment Reviews & Selection
Our team identifies and monitors investment options that are appropriate for your plan’s specific demographics. This process includes rigorous benchmarking analysis to ensure that both fees and performance remain competitive and aligned with industry standards.
Strategic Employee Communications
We bridge the gap between plan complexity and employee understanding. Our team helps you effectively communicate plan benefits, empowering your staff to navigate their investment options with confidence and clarity.
On-site Education & Engagement
We provide high-touch support through company-wide group sessions and personalized one-on-one meetings. Utilizing our proprietary curriculum, we educate participants on the essentials of retirement readiness and wealth management.
Plan Committee Support
We offer comprehensive structure and guidance for your investment committee. From vendor management and fee benchmarking to formal plan reviews, we provide the oversight necessary to maintain a high-functioning retirement program.
Fee Benchmarking & Negotiation
We conduct deep-dive reviews of all plan-related expenses to ensure total transparency. By leveraging our market insights, we assist clients in negotiating the most competitive fee structures available, maximizing value for the plan and its participants.
