financial planning

An intentional approach to building personal wealth

financial planning

An intentional approach to building personal wealth

1

defining your dreams

Our partnership with you begins with a conversation, including insightful questions that help us understand where you are and where you want to be in terms of financial security. Many times, this conversation helps our clients better understand the present and better define the future they envision.

How do you use your financial resources today? What does your life look like in the future? Are there specific dreams you have—a vacation home, international travel, a well-funded retirement? What is your tolerance for investment risk? Does your plan include charitable giving, inheritance for children or other “legacy” goals?

These questions and others help us create a roadmap and recommendations that can lead to your financial goals.

2

private wealth planning

At Ridgeline Advisors, we serve as a partner, advocate, and advisor throughout your journey toward financial security. Our goal is to help you create wealth over time and preserve it so you can live the life you imagine.

We employ a collaborative approach to your wealth planning experience. We focus on earning your confidence, reducing anxiety, and helping you enjoy a sense of calm when it comes to your finances. Our approach is strategic and intentional—with a keen eye toward helping you achieve your goals.

3

investment strategy & allocation

There are tens of thousands of investment options in the marketplace, including many valuable alternatives that are difficult to discover on your own. At Ridgeline, we are uniquely positioned to survey the array of mutual funds, annuities, securities, insurance, and other investment opportunities and identify the ones that best match your objectives, asset allocation strategy, time horizon and tolerance for risk.

Asset allocation is not “one and done.” Using your long-term goals as our guide, we periodically monitor your portfolio performance to make certain it’s doing what you want it to do—and suggest reallocation or adjustments as circumstances dictate.

4

ongoing plan management

Crafting your initial financial plan is just the beginning of Ridgeline’s work on your behalf. The financial landscape constantly shifts and evolves. It’s our responsibility to continually assess that landscape and make sure your journey toward financial security stays on course. It’s a responsibility we take seriously and personally.

When your financial plan and investment strategy are in place, we conduct periodic, comprehensive reviews of your portfolio performance and progress to ensure that you avoid deviating from your intended path. At the same time, we check in with you to discover any changes in your life that may have an impact on your plan—marriage, a new job, birth of a child or other events that reshape your future.

If your plans include passing assets to future generations or making charitable contributions, we can help you position yourself to do so in the most tax-efficient manner.

Bottom line: Ridgeline is poised to react quickly to change and identify new financial opportunities in response to changes in the marketplace and throughout your life—all intended to keep you on the path to financial security.