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Financial Life Planning + Wealth Management Specialists.

Trio Wealth Management specializes in financial life planning and wealth management, offering a range of services aimed at helping our clients live the lives they want.

Financial Planning

We conduct a comprehensive analysis of each client’s financial situation, goals, and risk tolerance. We create a customized financial plan that outlines strategies to achieve objectives such as retirement planning, education funding, tax minimization, and estate planning.

Investment Management

We design and implement investment strategies tailored to each client’s risk tolerance and objectives. We take an academic approach to investing that is supported by decades of evidence-based research.

Asset Allocation

We help clients determine the appropriate mix of assets within their portfolio to optimize returns while managing risk. This involves regularly rebalancing the portfolio as market conditions and client goals change.

Risk Management

We work with our clients to minimize risk to their financial plans – not just stock market risk, but also inflation risk and longevity risk. This also includes protecting client finances from life events by assisting with insurance and estate document reviews.

Tax Planning

We provide tax-efficient investment strategies to minimize clients’ tax liabilities. This can include optimizing asset location, managing capital gains, and utilizing tax-advantaged accounts such as IRAs and 401(k)s. We coordinate with clients’ CPAs to optimize our clients’ tax position.

Retirement Planning

We assist clients in setting retirement goals, estimating retirement income needs, and developing strategies to accumulate sufficient savings. We help clients choose appropriate retirement accounts and distribution strategies.

Estate Planning

We often collaborate with our clients’ estate planning attorneys to ensure our clients are well positioned for a smooth transfer of assets to heirs or charitable organizations while also minimizing estate taxes.

Insurance Analysis

We evaluate our clients’ insurance needs and work with insurance professionals to ensure our clients have appropriate coverage, including life insurance, disability insurance, long-term care insurance and property coverage.

Cash Flow Management

We help our clients create and maintain a budget, manage cash flow, and plan for short-term financial goals, such as purchasing a home or funding a vacation.

Education Funding

We assist clients with a plan to assess and fund education expenses for loved ones.

Client Education

We educate our clients about financial principles and investment strategies, empowering them to make informed decisions about their financial future.

Regular Monitoring and Adjustments

We provide ongoing monitoring of client portfolios and financial plans. Adjustments are made as needed to ensure client goals remain on track.

Client Reporting

We provide regular statements and reports that detail the performance of client investments and progress toward their financial goals.

Charitable Giving Strategies

For clients interested in philanthropy, we help create charitable giving strategies and donor-advised funds to maximize the impact of charitable donations.

Family Wealth Transfer

We assist with generational wealth transfer planning, helping clients pass on their assets to future generations while minimizing tax implications.

Client Support

We offer personalize support and ongoing communication to address client questions, concerns, and changes in financial circumstances.

Achieve Clarity, Confidence and Control in your financial life. We can help.