Our Comprehensive Financial Services
At Syrios Wealth Management Group, we offer a wide range of services designed to help you achieve your financial goals and secure your future. As a Certified Financial Planner (CFP®) and fiduciary, we are committed to providing expert advice that is always in your best interest. Here’s an overview of the services we provide:
Syrios Wealth Management does not provide legal, tax, or accounting advice.
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1. Financial Planning
- Comprehensive Financial Planning: We develop a detailed financial plan that covers all aspects of your financial life, including savings, cash flow and goals analysis, investments, retirement, and estate planning.
- Retirement Planning: We help you plan for a comfortable retirement by analyzing your current savings, projecting future needs, and developing strategies to reach your retirement goals.
- Estate Planning: We coordinate to assist in creating an estate plan that ensures your assets are distributed according to your wishes while minimizing taxes and protecting your legacy while working with your estate planning professional.
- Education Planning: We help you prepare for your children’s or grandchildren’s education expenses, including strategies for funding college or private schooling, to possible Roth conversion.
- Tax Planning: We work with tax professionals to develop strategies that minimize your tax burden and align with your overall financial plan. We actively work on tax minimization to optimize your after tax returns.
- Risk Management and Insurance Planning: We assess your insurance needs with your insurance professional and help recommend policies that protect your assets and your family’s financial security.
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2. Investment Management
- Portfolio Management: We have index custom portfolio models to manage your investable assets with a focus on high alpha to achieve your long-term financial goals while managing risk. We also deploy leading outside money managers experts in their field of emphasis.
- Asset Allocation: We create a diversified investment strategy tailored to your risk tolerance, time horizon, and financial objectives.
- Investment Policy Statement Development: We work with you to develop an Investment Policy Statement that guides your investment strategy and ensures it aligns with your goals.
- Performance Monitoring: We regularly review and monitor the performance of your investments, adjusting as needed to keep your portfolio on track.
- Alternative Investments: We evaluate and recommend alternative investments, such as real estate or private equity, that may complement your traditional portfolio. We are mindful that Alternative Investments are highly opaque and often have high fees associated, so we only recommend these as needed.
Tax-Efficient Investing: We develop strategies to minimize the tax impact of your investment decisions, including tax-loss harvesting and asset location strategies.
Alternative investments are illiquid investments and typically include investments in direct participation program securities (partnerships, limited liability companies, business development companies or real estate investment trusts), commodity pools, private equity, private debt, or hedge funds. Alternative investments are subject to various risks, such as illiquidity and property devaluation based on adverse economic and/or real estate market conditions.
Alternative investments are not suitable for all investors. Alternative investments are generally considered speculative in nature and may involve a high degree of risk. These risks are potentially greater and substantially different than those associated with traditional equity or fixed income investments.
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3. Retirement Services
- Social Security Optimization: We help you maximize your Social Security benefits by determining the optimal timing and strategy for claiming benefits.
- Pension and Retirement Plan Analysis: We review your pension and retirement plan options, helping you choose the best strategies for your retirement income.
- IRA and 401(k) Rollovers: We assist with the rollover of retirement accounts, ensuring that your assets remain tax-deferred and aligned with your retirement goals.
- Income Distribution Planning: We create a strategy for managing your income in retirement, balancing withdrawals, and investments to sustain your lifestyle.
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4. Wealth Management
- High-Net-Worth Planning: We provide specialized services for high-net-worth individuals, including complex estate planning, philanthropy, and family office services.
- Generational Wealth Transfer: We help you plan for the transfer of wealth to the next generation, including strategies for minimizing estate taxes and protecting your legacy.
- Charitable Giving Strategies: We assist in developing and implementing charitable giving plans that align with your values and provide tax benefits.
- Business Succession Planning: We work with business owners to create a succession plan that ensures a smooth transition and preserves the value of the business.
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5. Financial Education and Coaching
- Client Education: We provide ongoing education to help you understand your financial plan and investment strategy, empowering you to make informed decisions.
- Financial Coaching: We offer coaching services to help you stay on track with your financial goals, providing guidance and support as your financial situation evolves.
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6. Specialized Services
- Tax Preparation and Filing: We coordinate with tax professionals to prepare and file your taxes, ensuring that your financial plan and tax strategy are fully integrated.
- Mortgage and Debt Management: We help coordinate with your mortgage banker for optimal financing, consolidation, and payoff strategies.
- Cash Flow and Budgeting: We assist in creating a budget and managing cash flow to ensure you are living within your means and saving for the future.
- Healthcare and Long-Term Care Planning: We help you plan for healthcare costs in retirement, including Medicare, long-term care insurance, and health savings accounts.