Wealth Management Services

  • Provide a thorough analysis of current financial situation, including savings, investment management and risk management strategies.
  • Formulate big picture strategies based upon our macro analytical model for wealth building and wealth preservation.
  • Provide an overall asset balance strategy for your stocks, bonds, real estate, hedge funds, collectibles and other alternative investments, including IRA’s and 401(k)’s.
  • Strategic insurance modeling – When appropriate, suggest alternative and/or new coverages and strategies.  At client’s discretion, implement strategies.
  • Analyze personal and investment mortgages, debt refinancing, and other loans.  Recommend alternatives when appropriate.
  • Create and implement cash flow strategies for planned needs such as regular periodic bill paying, large purchases and emergency reserve needs.
  • Consult and advise on all estate planning issues.
  • Create overall Action Plan with accountability and specific deadlines.  

Ongoing 

  • Update your personal financial roadmap at least once a year.
  • Provide regular progress reports with ongoing attention to individual goals, objectives and lifetime milestones.
  • Advise and report on all investments, regardless of where they are kept.  As market conditions or personal situations change, prepare an updated asset balance strategy.
  • Provide advice and “coaching” on all financial matters, including cash and debt management, financing activities (secured and unsecured credit, boat, airplane, etc.).
  • Review and update estate plan (wills, trusts, etc.) every three years, or as needed.
  • Review and update tax planning strategies where appropriate.
  • Prepare personal Federal and State income tax returns (Optional and billed separately).

Investment Advisory Services

  • Create, implement and maintain a customized Investment Policy Statement for those assets under the limited discretionary authority of Lighthouse Wealth Management.
  • Coordinate the establishment of accounts and transfer of assets, when appropriate.
  • Manage assets under our limited discretion in a tax and cost-efficient manner.
  • Select and supervise outside investment managers when appropriate.
  • Monitor outside investment managers or other vehicles selected for portfolios to ensure compliance with the Investment Policy Statement.  When appropriate replace managers or vehicles that do not perform in accordance with benchmarks or other agreed-upon standards.
  • Rebalance the portfolio as necessary.
  • Provide reports of investment portfolios under our management.
  • Provide preliminary tax information (e.g., realized and unrealized gains, taxable interest and dividends) for purposes of tax planning.
  • When needed, implement cost and tax efficient liquidations for unanticipated cash flow needs.
  • For wealth management clients, coordinate your investments with your macro-planning model, taking into account all wealth-building and wealth-preservation strategies.