Cash Flow and Retirement Scenario Analysis 

Using advanced tools and personalized strategies, we project various retirement scenarios to help you make informed decisions. Whether you're planning for an early retirement, adjusting your investment portfolio, or ensuring a comfortable lifestyle post-retirement, our analysis provides valuable insights.

Income Tax Planning Strategies and Coordination

Our tax planning services aim to help keep taxes low today and in retirement. We strive for this through:

• Annual Tax Return Analysis
• Annual Roth Conversions
• Coordination & Timing of Income Streams (e.g. Pension, Social Security, Required Minimum Distributions, etc.)
• Asset Location
• Charitable Giving Strategies

Risk Management and Asset Projection Strategies 

We take a coordinated approach to ensure your risk management planning work in conjunction with the various other elements of your overall comprehensive financial plan. 

These risk management services include:

• Life Disability
• Long Term Care
• Business By-Sell
• Overhead
• Buyout Insurance
• Split Dollar
• Deferred Compensation
• Key Person
• Fixed Annuities
• Insurance Alternatives
• Group Life
• Disability Property & Casualty Audits
• & more

Retirement Income Distribution Planning

We take into account all your other sources of income, such as Social Security, Pensions, Rental Income, Required Minimum Distributions, and more. By carefully coordinating and optimizing these income streams, we aim to ensure that you do not pay more than your fair share of taxes.

With our experience and tailored strategies, we strive to optimize your retirement income while minimizing tax obligations, contributing to the overall success of your financial plan.

Estate Planning Strategies and Charitable Giving 

An estate plan is not exclusive to the wealthy; it applies to anyone who wishes to manage the distribution, settlement, or disposal of their belongings upon their passing. Your estate encompasses all the assets you own, and an estate plan consists of the necessary legal documents that ensure your wishes are upheld. Despite its perceived complexity, creating an estate plan can be straightforward and need not be excessively costly.

Typically, an estate plan will include:

• Will
• Trust
• Healthcare Directives
• Power of Attorney
• Beneficiary Designations 
• Life Insurance 

If clients have these items already in place, we will do an in-depth review of these documents and provide valuable feedback that they can then discuss with a legal professional.

Multi-Generational Wealth Counseling 

Through personalized consultations, we work collaboratively with you to develop a strategic plan that aligns with your family's values and goals. Whether you're considering wealth transfer, estate planning, or philanthropy, our advisors provide insightful guidance to navigate complex financial decisions.

We emphasize open communication, ensuring that your wealth strategies are understood and embraced by successive generations. With a proactive and comprehensive approach, we help you build, protect, and pass on a lasting financial legacy.

Risk Assessment and Goal Targeting Profile

We recognize that each individual's financial journey is unique, and we tailor our approach to your specific risk tolerance and objectives. With this comprehensive analysis, we empower you to make informed decisions, striking the right balance between risk and reward.

Rigorous Evaluation of Existing Portfolio 

We conduct a comprehensive analysis of your current investment portfolio, examining performance, risk exposure, and alignment with your financial goals on an ongoing basis. 

Customized Portfolio Construction 

We craft unique investment portfolios designed for you, considering your financial goals, risk tolerance, and time horizon. Whether you're aiming for growth, income, or a balanced strategy, our team leverages in-depth market insights to construct a portfolio that reflects your aspirations.

Ongoing Portfolio Optimization

With a keen eye on market dynamics and industry trends, we identify opportunities for optimization and potential areas of improvement.

Business Planning Solutions 

One of the key components to maintaining a successful business is careful and diligent financial planning. Organizations spend millions of dollars each year to develop financial strategies that can help build, grow, and protect their assets. Let us provide your business with the same protection and guidance by creating a financial blueprint that will help you worry less about money and focus more on your business.

We provide the following business planning solutions:

• Buy–Sell Agreement Planning
• Business Transfer Techniques
• Qualified Retirement and Executive Compensation Packages
• Employee Benefit Coordination
• Succession Planning Strategies

Institutional Services

Multi-tasking isn’t easy, especially for organizations involved in the complex areas of finance and investments. Balancing efficiency and due diligence processes while limiting unnecessary liability can seem like a daunting, if not impossible, task. Fear not. We take the “stress and guess” out of the equation by developing a comprehensive and flexible plan with the best course of action for your organization.

This includes:

• Assisting and educating plan sponsors on fiduciary responsibilities and compliance procedures
• Developing and implementing an investment policy statement
• Conducting a robust provider search and fee benchmarking analysis
• Putting a fund lineup in place to select the most appropriate investment vehicles to meet goals
• Performing quarterly due diligence reviews
• Conducting an annual in-depth plan review
• Holding educational events for participants

Medicare Planning

Obtaining Medicare coverage can be confusing. There are multiple deadlines to meet and a variety of options that can be difficult to understand. We know that each person has different Medicare needs, which is why we’re committed to helping you make the best choices to fit your lifestyle and current needs.

Document Review

Continuing our mission to enhance the planning services of Bleakley, we also assist our clients’ with their estate planning questions and provide in depth reviews of important documents. 

As part of our financial planning process, we find it critical that we take into account our clients entire financial picture to ensure it aligns with their overall goals.  The purpose of this review is to provide our clients with valuable feedback that they can then discuss with a legal professional.

This includes a discussion of the following client documents:

• Trusts
• Wills
• Business Agreements
• Tax Docs
• Power of Attorney
• Divorce Decrees

Life Coaching 

Financial planning isn’t just about money. Excellent fiscal health goes hand-in-hand with one’s physical or mental health: It’s established by good habits over time. That’s why we have a certified life coach on staff to provide complimentary sessions to our clients.

Dealing with financial stresses can be difficult, especially when facing traumatic life events like moving, divorce, job loss, or the death of a loved one. Life can throw unexpected curveballs that upend even the most diligent financial planning. 

Life coaching services will help clients navigate the emotional ups and downs of life’s many challenges, including:

• Retirement or job loss
• Divorce
• Death of family members or friends
• Caring for children or aging parents

Responsible Investing 

Socially responsible investing is more than avoiding “sin” stocks. It’s about making investments that positively impact our environment, social responsibility, and corporate structures, while also focusing on client risk and return objectives. Also known as environmental, social, and governance (“ESG”) investing, this approach considers the sustainability and societal impact of each investment. Bleakley believes that money can be utilized as a tool, and at our clients’ direction, can be put towards the specific purpose(s) that could improve the future of client designated communities.

As socially responsible investing gains ground, more investment managers are offering ESG-focused investments. For example, clients can achieve their ESG objectives through Bleakley’s use of a Unified Managed Account (“UMA”).  The UMA platform can screen out specific stocks or entire sectors based on a checklist of ESG-related factors. This checklist allows the client to establish their own personal ESG policies for their respective account(s).  Alternatively, clients can achieve a variety of proactive ESG objectives through the use of custodian-designated “socially responsible” mutual funds. Bleakley’s Investment Committee monitors the investment performance of such “socially responsible” mutual funds on a quarterly basis while the ESG criteria within these mutual funds are monitored by the applicable custodian.