Gillespie Group Wealth Planning Services
As fiduciaries in advisory relationships, the advice our professionals offer keeps the interests of our clients in mind. We take a big picture view and a holistic approach to wealth planning, which can include some or all of the following services:
Investment Management - There is no "one size fits all" when it comes to investing at GGWM. We use a goal-based approach, blending LPL Research, our research, and our client's ideas to build and manage personalized investment portfolios. While strategies vary from investor to investor, our low-fee, tailored asset allocation can include some or all of the following:
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Exchange Traded Funds (ETFs)
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Individual Stocks
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Municipal, Treasury, Corporate and Mortgaged Backed Bonds
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Cash and Money Market Funds
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Alternative Investments*, including Real Estate Investment Trusts (REITs), precious metals and other commodities, hedge strategies, and private equity
*Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor's portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses
Tax Planning - Investing and Taxes go hand in hand. And as the saying goes, it isn't what you earn that's important, but rather what you keep. We implement several tax-aware strategies and are always proactive in trying to reduce taxes whenever possible. Additionally, we believe there is tremendous value in working closely with our client's CPA's. Should you not have this relationship already in place, we are always happy to refer you to tax professionals we work with on a regular basis.
Tax services are not offered by LPL Financial or Gillespie Group Wealth Management.
Estate Planning - Although estate planning can be a complex task, a well-thought-out plan can make a big difference in what is left for your loved ones. We can help you identify some "holes in the raft," however it is important to work with an attorney and possibly a tax advisor, both whom we are happy to make an introduction to, and who can help guide you through the creation of your estate planning documents. GGWM manages several Trust accounts and can work with your Trust Attorney to ensure investment strategies are aligned with your estate plan.
Tax and legal services are not offered by LPL Financial or Gillespie Group Wealth Management.
Insurance - For those who have insurable needs, we view protecting yourself, your loved ones, or your business as the foundation of any sound financial plan. Nothing can derail a family's financial goals faster than a sudden loss of income. While strategies will certainly vary depending on your situation, we can evaluate if you are under-insured (or over-insured) and help you implement specific policies that mesh with your wealth planning goals. Strategies can include:
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Life insurance
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Disability insurance
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Long-term care insurance
College Funding Strategies - Balancing your own retirement goals and financial objectives with your children's education funding goals can be tricky. LPL provides proprietary software to help with goal setting, while GGWM can help you implement the appropriate strategy. 529 plans are a popular choice and although these are state sponsored plans, we can help identify the suitable match and handle all of the legwork for you. This includes ongoing monitoring and consolidated reporting with your other investment accounts.
Small Business Retirement Plans - Business owners make up a good portion of our client base and we believe GGWM is well-versed to handle their many needs. Whether the business is an owner-only entity or with multiple employees, we can work with your accountant to determine the ideal retirement plan for your business. Among the many options, 401(k) plans are a popular choice and we partner with preferred Third Party Administrators (TPAs), who can draft the necessary documents while we help you with plan implementation, enrollment, and ongoing investment management.