No matter what stage of life you’re in, our goal is the same – to improve your life by helping you craft a plan that clarifies your goals and simplifies your finances. We do the heavy lifting so you can dedicate your time and energy to the things that matter most to you.
Business Owners and Executives
As an owner-operated firm, we understand entrepreneurs and business leaders – how they think, their challenges, and their opportunities.
As a successful business owner or corporate executive, you face competing demands on your time and may need assistance in managing your increasingly complex financial life. In coordination with other professionals, such as your CPA and Attorney, we can help you craft and implement a detailed financial plan and investment strategy designed to align with your goals, priorities, and tolerance for risk. In particular, we can help address the complexity that comes with managing executive benefits such as equity awards and nonqualified deferred compensation plans.
Whether you’re a Resident or Fellow focused on reducing debt, an established practitioner concerned with building wealth or are at the stage of your career that you’re wondering if you’re financially prepared for retirement, we have the training and experience to help you make smart financial decisions.
You treat patients on an individualized basis, and we believe that your relationship with us should be the same. Our planning process begins with a thorough understanding of your unique goals and values and we construct investment portfolios based on observable market data and relevant analytical techniques, not emotional hunches or fads. Our objective is to maximize your probability of achieving your goals while managing expenses and taxes. Along the way, we work alongside your CPA and Attorney to help ensure align all aspects of your financial plan.
As a professional athlete, you compete at the highest level of your sport. Maintaining that level of performance requires dedication, focus, and the support of a team both on and off the field. We understand that you also face unique financial opportunities and challenges that others do not – namely a high level of wealth at a young age and an uncertain career span.
We act as part of your team, working alongside your agent, family, and other professional advisors to help you make informed decisions about your money so you can focus on your career.
The Bral Niedert
Wealth Planning Process
First, we listen. We make certain we understand your unique goals, opportunities, and challenges.
Once we understand where you are today, and where you want to be in the future, we can lay out a plan to help you get there. This plan is designed to extend beyond just your investments and incorporate several aspects of your finances – taxes, insurance, estate plans, social security benefits, and more*.
* The subject matter in this communication is provided with the understanding that Principal® is not rendering legal, accounting or tax advice. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax or accounting obligations and requirements.
Even the best plan has no value unless it is put into action. We work alongside your other professionals (accountants, attorneys, insurance agents) to help ensure money is where it needs to be now and in the future.
Ongoing Review and Adjustment
Life happens and plans change. In addition to reviewing your portfolio and making adjustments as needed, we schedule meetings throughout the year to help keep you informed and to stay up to date with any changes in your life. If your situation or goals change, we can adjust your plan accordingly.
Disclaimer: Process indicated may be for clients who are engaging in fee-based financial planning. Depending on your needs you may have other steps included in the process or may not have all the steps included. Ongoing Review is limited to certain advisory relationships, please discuss with your financial professional.
Securely review all your account information in a single place.
Asset Protection and Insurance Analysis
Review your insurance coverages and develop cost effective strategies designed to safeguard your family and your assets.
Business Owner Services
Buy-sell reviews, business succession strategies, and key employee benefits
Cash Flow Planning
Detailed projections of income and expenses to help plan for major purchases, education expenses, and retirement goals.
Help you maximize the impact of your charitable gifts while managing your tax liability.
Tactics for eliminating high-interest student loans or consumer debt to work towards long-term wealth accumulation.
Estate Planning and Wealth Transfer
Strategies designed to preserve and protect your assets for the next generation.
Executive Benefits Planning
Understand executive benefits - incentive plans, equity awards, and nonqualified deferred compensation - and how to incorporate them into your financial plan.
Low-cost and tax-efficient investment strategies designed with your goals, values, and risk tolerance in mind.
Retirement Income Planning
Coordinate and manage your financial resources to deliver the income you need once you’ve moved on from the working world.