Financial Planning

Financial Planning: Our Approach

We provide “family office” quality financial planning to a limited number of high-net-worth individuals and business owners. Through partnership with Marbury Asset Management, our model is built on an independent, team-based approach that prioritizes professional advice and implementation over ancillary tasks.

Our Philosophy: A “Live” Responsive Process

We believe wealth management is a holistic journey, not a static event. Our plans are live and responsive, amended whenever significant changes occur in your family’s financial situation. We review and evaluate your progress toward long-term goals on a regular basis, updating the overall plan annually or as needed to reflect changes in tax laws, family structure, or portfolio performance.

Core Pillars of Service

  1. Cash Flow & Retirement Planning

    We provide a granular analysis of your current and future liquidity needs to ensure your lifestyle is sustainable and your wealth is accumulating efficiently.

    • Current Cash-Flow Analysis: Mapping income against lifestyle requirements.
    • Retirement Income: After-tax analysis of income sources, including Social Security and Medicare optimization.
    • Distribution Strategies: Orchestrating IRA and savings plan distributions to minimize tax drag.
    • Future Funding: Specialized strategies for education funding and major wealth accumulation.

  2. Integrated Insurance & Risk Management

    We review your entire protection landscape to identify gaps that could threaten your balance sheet.

    • Policy Audits: Comprehensive reviews of Life, Long-Term Care, and Health insurance.
    • Property & Liability: Evaluation of Homeowner’s, Casualty, and Excess Liability (Umbrella) coverage options.
    • Structural Review: Ensuring ownership and beneficiary designations are correctly aligned with your estate goals.

  3. Estate & Tax Planning Coordination

    We act as the “Strategic Integrator,” working alongside your attorneys and CPAs to ensure your testamentary documents and tax filings are perfectly synchronized.

    • Estate Diagramming: Visualizing distributions and preparing estate tax balance sheets.
    • Generational Transmission: Designing tax-effective strategies to pass wealth to the next generation.
    • CPA Coordination: Providing annual tax information to your CPA and managing the year-end projection process to capture available deductions.
    • Succession Planning: Specialized guidance for business owners and corporate executives navigating complex exits.

  4. Investment Management Coordination

    We ensure that your investment portfolio is the engine that powers the plan. Rather than managing assets in a vacuum, we coordinate every investment decision with the requirements defined in your financial roadmap.

    • Goal-Based Allocation: Aligning portfolio risk levels with the specific liquidity timelines identified in your cash flow analysis.
    • Tax-Aware Placement: Coordinating asset location and trading activity with your broader tax planning strategy to maximize after-tax returns.
    • Risk Sensitivity: Accounting for the “hidden” risks identified in your insurance and liability audit to ensure your total balance sheet remains resilient.

The Advantage: Personal & Independent

As an independent practice, we are not beholden to proprietary products. We have the freedom to pull from a broad array of resources and services to design unique, long- term strategies. We focus our efforts on a limited number of clients to ensure that our sophisticated service remains personal, calculated, and precise.

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA /SIPC Investment advisory services including financial planning and fee-based managed accounts offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS.  Diemert Insurance and Marbury Asset Management are not affiliated with Kestra IS or Kestra AS. Investor Disclosures. Insurance services are provided independently and are not associated with any wealth management, financial planning, or investment advisory firm. No recommendation or endorsement of investment services is implied.