Life evolves. Families transform. Needs and priorities change.
Every life stage brings new opportunities, unique challenges and promises of what the future may hold. Our experienced wealth advisors and financial consultants work with you to develop a personal plan that not only fits your situation now, but continues to grow and change as your needs do. We begin by listening. Through our consultative approach, we identify and understand your life’s goals, risk tolerance, liquidity needs and other factors. We then develop a dynamic, personalized strategy to help you pursue those goals.
The investment services we offer include:
Investment Management
We are a partner in your future. At Northwest Financial Advisors, we take a holistic approach and manage your accounts with prudence, a long-term perspective and the highest standards of ethical behavior and responsibility. As an independent Registered Investment Advisor (RIA), Northwest Financial Advisors is not restricted to proprietary investments. We are able to select among money managers that are experienced in the industry and offer reasonable expenses.
Financial Planning
Financial planning is extremely personal. Not only is every individual’s financial situation unique, but every person has deep-rooted attitudes, comfort levels and perspectives regarding money and finances. At Northwest Financial Advisors, we believe in devoting time to understand your unique financial situation, your goals and needs, so we can work together to help you develop an achievable strategy to address your objectives. Learn more >
Asset Allocation
Asset allocation is the process of dividing investments among different asset classes, such as stocks, bonds, real estate and cash, with the goal to optimize the risk-adjusted return of your portfolio. A well-balanced, diversified portfolio is the cornerstone of portfolio management. Through in-depth conversation, we will work with you to construct a diversified portfolio with a customized asset allocation. This is an ongoing, dynamic process. As your investment and life goals change, so will your portfolio. A well-devised and executed asset allocation strategy can help you weather the investment cycle and work toward your goals.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification and asset allocation do not protect against market risk.
Portfolio Review & Analysis
When investments are held at several institutions, developing a comprehensive view of your overall portfolio may be somewhat unclear. That is why Northwest Financial Advisors will provide a complimentary portfolio review and analysis — a complete look at your existing investment portfolio and asset allocation decisions. Our objective is simple. We want to help you maximize the return on your portfolio, while ensuring the investments are right for your risk tolerance, time horizon, tax status and wealth objectives.
Retirement Planning
A good way to plan for retirement is to put the right combination of savings and other investments to work for you. We can help you to design a retirement plan or provide a second opinion on your portfolio or retirement savings plan. We have the experience, knowledge and resources to review alternatives and design a personal financial plan to help address your specific needs, time frame and goals. Learn more >
Rollovers
You certainly can take it with you. A career change. Sudden loss of a job. A planned retirement. Any one of these can leave you wondering what do to with your retirement savings in an employer-sponsored plan, 401(k) or Thrift Savings Plan (TSP). Making the right decisions at the right time can help ensure the money you worked hard to save continues to work hard for you. The transfer of retirement plan assets from one retirement vehicle to another that avoids taxation is called a "rollover" or "rollover distribution." However, there are many options to consider including cashing out, keeping your investments in your current plan, transferring to a new employer's plan, seeking other investments for your IRAs and retirement savings and more. Our wealth advisors and financial consultants can help you review your options to help you address your overall financial goals. Learn more >
Education Planning
If you are planning to send your children to college or help fund your grandchildren’s education, it will take careful planning to save the money you need. The right choices will likely depend on a combination of two or more available savings methods, as well as the length of time before you need to pay tuition. We offer access to plans that may help you tax-efficiently save for education expenses, including:
- 529 Plans
- State-sponsored Prepaid Plan
- Coverdell Education Savings Accounts
Estate Planning
Designing a legacy consistent with your dreams and values is a personall and intricate process. Northwest Financial Advisors can provide the professional guidance and estate planning advice you need. Your advisor will help you value your estate by taking into consideration:
- Current income and likely future income
- Annual expenses
- Current assets and debts
- Estate and gift tax rules and regulations
Once your estate plan is in place, reviewing your will and other estate planning documents periodically or when faced with a significant life event, will be an easy to manage task. Learn more >
Legal services are not offered by LPL Financial or Northwest Financial Advisors.
Wealth Management
Developing and executing a comprehensive investment strategy that takes into account every aspect of your financial life can be challenging. Our advisors help you with strategies that seek to tax efficiently create, grow, protect and preserve your wealth, by providing independent, objective advice and professional investment management. Using a comprehensive life-planning approach, we base our strategies on a thorough understanding of your circumstances and philosophy regarding your wealth. Our approach is holistic and consultative, with a long-term perspective. We work closely with you to build strategies that make sense for you and will work for you — now and well into the future.
