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- Written by: Robin
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For those who don't feel ready for financial planning or investment management services, or are "do it yourself" investors with specific questions or concerns, Apex can still help you. We offer financial consulting services on an hourly basis, or on specific projects, to help give you clarity about your financial concerns so that you can make the best financial decisions for your situation. Since we do not sell any products or get paid by anyone but you, our client, you can be assured that the advice you receive will be in your best interest.
Typical consulting services topics include:
- 401K reviews and analysis
- Analyzing buy/hold/sell decisions on real estate or other investments
- Budgeting advice
- Post-divorce financial considerations
- Debt management
- Analysis of the financial impacts of personal decisions: changing careers, returning to school, family planning, work/family issues for working mothers
The cost of the engagement will be based on the time and the scope of your specific needs. A full description of all of our fees can be found in our ADV. To receive a copy of our ADV please click here.
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- Written by: Robin
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We believe your investment portfolio should be as unique as you are. We take into consideration your needs, desires, risk tolerance and investing experience to construct your portfolio. We then implement the portfolio for you and advise you year-round, making adjustments as life events unfold. Life is fluid and always changing and your portfolio should change with you.
Investment management is an on-going relationship. That is why we recommend starting with the financial planning process to identify your goals, retirement and education funding needs, taxes, estate planning and cash flow. Next, we analyze your risk tolerance so that we can develop a portfolio that is right for you. We then focus on making sure your money can accomplish your goals while taking the appropriate amount of risk for you and your situation.
As investment managers, we also stay up to date on investment and tax law changes (so you don't have to) and walk you through actions to take that are necessary or appropriate for your situation. This may include:
- Setting up retirement, taxable and trust accounts
- Choosing where your retirement funds are best invested to meet your short-term and long-term goals
- Taking IRS Required Minimum Distributions
- Settling on when to start taking Social Security
- Determining if a Roth IRA conversion may be appropriate for you
- Deciding when or how much you should start drawing upon your investment portfolio
- Clarifying the best place to draw money for specific purposes (taxable, Roth, IRA, or other retirement accounts)
As a fee-only Certified Financial Planning firm, we never have custody of any client funds. The funds are always kept at a third-party party institution to provide additional oversight, so that no one has access to your funds but you. Apex Wealth Management, LLC is a Registered Investment Adviser (RIA).
Investment management fees are based on a percentage of the assets we manage. A full detailed description of all of our fees can be found in our ADV. To receive a copy of our ADV please click here.
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- Written by: Robin
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At Apex, the financial planning process for our clients begins with a comprehensive audit of your needs, goals and resources – both personal and financial. Once we have a clear appreciation of your situation, we develop an in-depth financial plan. Typically, this plan includes the following elements:
- Retirement Planning – making sure that you retire at the right time with the right amount of savings so that you do not run out of money, as well as ensuring that you get full enjoyment out of the nest egg you worked so hard to create. We provide sophisticated stress testing to various retirement scenarios simulating 10,000 market environments, both good and bad, to show you the probability of having a successful retirement.
- Investment Planning - creating a portfolio of investments that are in line with your goals and risk tolerance, taking into consideration taxes and the various ways that you can invest your money including taxable or trust accounts, IRAs, Roths and other retirement plans.
- Education Planning - whether college is still years away or right around the corner, having a plan can help you efficiently use the resources available to you and allow you to seek out additional funding options such as scholarships, grants, financial aid and loans.
- Income Tax Analysis and Recommendations – making sure you take advantage of the tax saving opportunities that you are entitled so that you pay what you owe; no more, no less.
- Risk Management – confirming that you have the right insurance coverage for yourself, your family and your property.
- Estate Planning – protecting the legacy you want to leave for the people you love, assuring that your family will be taken care of in the event that you are no longer with them.
- Cash Flow Planning/Cash Management – developing a spending plan that takes into consideration both today’s needs and tomorrow’s desires. We work with you to make sure you have money available for all of life’s expected and unexpected moments.
- Debt Management – creating a plan to help you use debt wisely when needed, and helping you payoff debts that are holding you back from achieving your long-term goals.
- Business Planning – this can include various services depending on your needs including succession planning, funding, risk management, tax planning and retirement plan analysis.
Whether your financial plan includes all or only some of these elements, you can be certain that the plan we provide is a financial management blueprint tailored specifically for you.
Financial planning fees range from $1,500 to $3,800, depending on the scope and complexity of the financial plan. A full detailed description of all of our fees can be found in our ADV. To receive a copy of our ADV, please click here .
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- Written by: Robin
- Category: Our Services
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Apex offers three categories of services: Financial Planning, Investment Advisory and Financial Consulting. We help you match your personal and financial goals and responsibilities, providing you with a sense of harmony and well-being as you realize your financial objectives.
We begin every client relationship by getting to know you. We then help you turn your hopes and dreams into tangible, obtainable goals. Once we have a clear understanding of your objectives, both personal and financial, we can provide financial services unique and specific to you.
For more information and/or to receive a copy of our ADV, please contact us.