Cirle
Circle
Circle

Aligning your financial life with the rest of your life.

Financial Report

Investment Advisory Solutions

At TrinityPoint Wealth, your personal and financial well-being is paramount to us. So we listen. We want to know what matters most to you, what keeps you up at night, what goals you have set for yourself and your family. We talk about your risk tolerance and time horizon. We’ll also look at your tax situation, investment history, and liquidity needs. Once we have a complete picture, we put our decades of experience to work, customizing an investment strategy with solutions tailored specifically for you.

Our Investment Approach

Central to our investment approach is a broad diversification across a range of asset classes, including global and domestic equities, taxable and non-taxable fixed income, mutual funds, and exchange-traded funds (ETFs). We also employ extensive research and due diligence to uncover private equity and alternative investment opportunities for our high net worth and institutional clients.

After determining an appropriate asset allocation, we carefully construct a custom portfolio that aligns with your goals and risk profile. We will monitor your portfolio’s performance closely and check in with you regularly, rebalancing when changing market conditions or your circumstances warrant it.

Our Investment Advisory Philosophy – Your Interests, Not Ours

Through many decades of specialized financial guidance, our team has found that a simple philosophy of honesty and genuine care goes a long way for clients as well as ourselves. We use every tool in our investment advisory toolkits to determine what the best route is for your goals, dreams, and values. We explore both conventional and unconventional strategies to find a solution created just for you. 

Receive Proven Solutions From The TrinityPoint Team 

At TrinityPoint Wealth, we blend conventional and custom solutions to help you reach your goals in a more efficient, tax-effective, and risk-averse manner. 

Get in touch with our team today to explore new possibilities for financial growth and success.

Senior couple walking

Retirement Planning

When you think about your retirement, what does it look like? Are you doing all you can now to make that dream possible? While the sooner you begin, the better, it’s never too late to put a retirement planning strategy in place.

At TrinityPoint Wealth, we start by talking about your goals and priorities to determine how much income you’ll need. Then, we do a thorough evaluation of your assets, including pensions, 401(k), savings, and investments, along with a Social Security analysis. This information helps us define an optimal timeline for your retirement, as well as the steps you’ll need to take. Finally, we put a retirement income strategy in place, which we will review with you on an ongoing basis and adjust whenever necessary. 

By working together, we will help keep you on track so that today’s dream can become tomorrow’s reality.

Looking Ahead With TrinityPoint Wealth

If insufficient time is given to looking ahead and planning for the future you may be blindsided by the issues and expenses associated with retirement. Our team helps people refine their dreams for the future and crafts detailed but flexible plans to achieve those goals. 

There is a misconception that retirement planning should start later in life, but that couldn’t be further from the truth! We are strong advocates for beginning the planning process as soon as possible to reap the most benefits. Regardless of if you are in your early 20s or late 60s, now is the best time to begin planning if you have not already. 

Common Retirement Plans We Advise On

The following are the most common retirement plans we advise clients on:

Defined-benefit Pensions – Defined-benefit plans are characterized by an employer-guided retirement plan which provides employees with a fixed monthly benefit at retirement. These plans are slowly being replaced by hybrid and defined-contribution plans. 

401(k) – A 401(k) is an incredibly ubiquitous defined-contribution plan in which employees save portions of their pre-tax salary into a tax-advantaged retirement account. 

Roth 401(k) – A Roth 401(k) is a defined-contribution plan that differs from a normal 401(k) by being funded with after-tax dollars, allowing withdrawal to be tax-free. This type of plan is especially useful for individuals who expect to be in a higher tax bracket upon retirement. 

403(b) – A 403(b) is a tax-sheltered annuity that is offered by public schools and certain 501(c)(3) tax-exempt organizations. This type of retirement fund can invest in either mutual funds or annuities. This plan also benefits from nondiscrimination testing and lower expense ratios due to less stringent reporting. 

In addition to these common retirement investment vehicles, we also advise on simple IRA plans, cash balance plans, 457 and 401 plans, and more. For more information on these plans, visit our Retirement Plans page here. 

circle
circle
circle

Social Security & Pension Analysis

Social security and pensions are two different potential cash flow sources with their own unique claiming strategies. Most people are eligible to start claiming social security at age 62 but in many cases this may not be the best time to claim if you want to maximize the amount you receive in benefits. For those individuals who are eligible to receive a pension, there are additional variables to consider. Certain pensions may affect the amount you receive in social security due to the Windfall Elimination and Government Pension Offset provisions. Additionally, pensions may have multiple pay out options such as lump-sum, single life, joint life and period certains. We can help you evaluate these various options and how to maximize or integrate these pensions with social security to develop a strategy that addresses your retirement income needs.

Analyzing Data

Executive Wealth Management

As a corporate executive, are you so focused on business you barely have time for your own personal finances? If so, we can help.

In addition to wealth management solutions for individuals and families, we provide a full suite of executive services that address the complexities of investment management and financial planning that you encounter at your level of success. Serving as your personal CFO, we can help you make informed financial decisions in areas that include compensation and benefits, equity incentive planning, equity trading plans, tax-sensitive solutions for concentrated positions and pre-liquidity planning.

How We Tailor Our Management Services To You

As a corporate executive, you have unique concerns, goals, and responsibilities with which only a specialized financial team can help. Having a high income/net worth creates atypical financial issues and considerations, so we provide financial advisory services that take this into consideration. Once you tell us your goals, we can then inform you about each financial path available to reach your goals, educating you on the pros and cons of each possibility. 

Our services don’t stop after the initial advising has been completed. We can offer advice on a long-term basis as well, giving you access to a dedicated team of professionals in the event that changes need to be made. 

The financial world never stops moving, so we constantly reevaluate your plan to make sure it is up-to-date with the latest financial realities. 

Our Model

For corporate executives and high earners, it can be difficult to find financial advising that does not look to sell products or score a commission. As fiduciaries, our mission is to do what is best for you, no less. Once we have fully understood your objectives, our team is free to create a holistic plan for you. 

Choosing TrinityPoint Wealth As Your Go-To Advisory Team

Just as your business has an advisory team guiding it along, your personal finances should enjoy the same dedicated, informed advisory services. If you are in the market for proven investment and executive wealth management, then we would love to work with you. Contact our team via phone or email to learn more about how we can help. 

Calculator

Estate & Tax Planning

How do you wish to transfer your wealth? What kind of legacy are you hoping to leave?

 

Once we have a clear understanding of your objectives, we do a comprehensive review of all your estate documents and identify any tax consequences. We then coordinate with your outside estate and tax planning advisors to ensure that your plan will enable you to pass on your wealth to the loved ones, organizations and institutions you care about in a smooth, tax efficient manner that clearly addresses your values and intentions. 

 

Having a pre-established, comprehensive estate plan is key to a smooth transition. Soon after one’s passing, the tedious and sometimes confusing process begins to settle one’s financial affairs. Prioritization of tasks and issues regarding probate court will need to be addressed. Without proper planning, this process can be quite burdensome and overwhelming especially when you are simultaneously mourning the loss of a loved one. However, there are ways to mitigate or avoid the possibility of having your loved one's legacy “stuck in probate” and ease the burden of settling an estate.

 

We will work with you and your attorney to help you settle the estate, including sorting through and reviewing financial and estate documents, assessing the deceased’s pensions and benefits, re-titling assets and identifying any debt. We will continue to assist in managing your estate for the years to come according to your wishes or any changes in your circumstances.

circle
circle
circle

Insurance & Long Term Care Planning

Do you have the coverage you need for yourself and your family in the event of an accident, illness, or emergency?

As licensed insurance professionals, we can help protect you from undue risk with life, disability, and long-term care solutions tailored to your specific needs and circumstances. 

Whether it’s finding cost-effective term life coverage for income replacement, coordinating asset protection strategies with long-term care and estate planning, or determining if a hybrid long-term care policy makes the most sense for you and your family, our goal is to limit your exposure to potential downside risk and increase your peace of mind.

How We Tailor Our Services To You

Our long-term care and insurance planning, like all of our services, place you at the center. We know that life can throw almost anything at us, so we walk you through each possibility for the future and determine how you and your family can be best prepared. 

We systematically address all of your fears and create a plan geared around addressing each concern. From simple insurance coverage to complex estate planning, you can count on our staff to find a plan that truly serves you and your loved ones. 

Plan Ahead With TrinityPoint Wealth

Planning for unfortunate times is almost never enjoyable; having the right team of advisors behind you can make a world of difference. TrinityPoint Wealth can provide comprehensive education and advising so you know you are prepared for whatever life throws your way. 

If you have more questions or would like to begin the planning process, contact us via email or by phone to speak with a member of the team. 

circle
circle
circle

Divorce Financial Planning

Are you thinking about or in the process of getting a divorce? What steps can you take now to protect your financial well-being?

At TrinityPoint Wealth, we specialize in divorce financial planning. Lise Robinson possesses the CERTIFIED DIVORCE FINANCIAL ANALYST® (CDFA®) designation. As such, she can help you navigate the financial issues and complexities that need to be addressed, so you can take the next step toward your new chapter.

Preparing Financially For Divorce

It is important to consider the financial realities of divorce before, rather than after, the final papers are signed. We will evaluate your entire financial picture to help you arrive at a fair and equitable division of assets and liabilities, with a reasonable expectation of income and expenses going forward. 

Working with you and your attorneys, we will provide data analysis that shows the financial effect of any given settlement. This includes identifying tax consequences and potential issues in dividing complex or illiquid assets and investments, analyzing pension and retirement plans, determining if you can afford to remain in your home and understanding the short- and long-term effects of dividing property.

How We Help Post-Divorce

Once the divorce is final, we will continue to provide you with financial guidance and asset management. Given how drastic life can change after divorce, we tailor our services to both the short-term and long-term. Our ultimate goal is to help you achieve peace of mind with a financial plan for the future and the knowledge that you’ve made the best possible decisions for yourself and your family.

Let Us Help You Prepare For The Road Ahead

Having worked with many clients through divorce, we intimately understand the struggles that come with that transition. Through every step of the process, we use patience, understanding, and clear next steps to make the process smoother for you and any parties involved. To learn more about divorce financial planning, get in touch with us via phone or email to get started. 

circle
circle
circle

Health Savings Account (HSA) Strategies

Given the rising costs of healthcare, are Health Savings Accounts (HSAs) a solution you should be considering? HSAs allow you to set money aside on a pre-tax basis to pay for deductibles, copayments, coinsurance, and other qualified expenses, which can significantly lower your overall healthcare costs. This may be a particularly important long-term strategy to have in place for your retirement. However, you must be enrolled in a high deductible health insurance plan in order to be eligible to make contributions to an HSA.

HSAs offer a deferred and potentially tax-free way to save and invest for future health expenses, covering out-of-pocket costs and helping to fill the Medicare gap. If you are eligible to establish an HSA under your employer’s health plan, we will discuss with you the tax benefits and growth opportunities, and whether it makes sense for you to maximize this strategy. If you own a small business, we will work with you to determine if offering an HSA plan is the right strategy for your company and your employees.

Let Us Help Develop Your HSA Strategy

As a vehicle for paying medical expenses, HSAs are a useful tool. To find out if HSAs fit into your broader financial strategy, get in contact with one of our advisors via phone or email

circle
circle
circle

Charitable Giving Strategies

Are there charities and causes that you and your family are passionate about supporting?

We will work with you to determine optimal gifting strategies to maximize your contribution, as well as your tax savings. Donor advised funds or a qualified charitable deduction (QCD) from an IRA are just some of the ways to accomplish your charitable giving goals. We can explore these ideas and other gifting strategies with you. Whatever the solution, we will make certain that it aligns with your goals and intentions.

Develop A Specialized Charitable Giving Strategy With Us

No matter how you want to give, we can help you determine the best way to go about it for your goals. Give us a call or send us an email to receive more information about our giving strategies.

circle
circle
circle

Financial Life Planning

What is Financial Life Planning and how can it change lives?

 

Financial Life Planning connects the dots between our financial realities and the lives we long to live. Life Planning focuses on the human side of financial planning – it is truly holistic financial planning. This approach can help you tap into your inspirational fire and make extraordinary and fulfilling things happen in your life. 

 

The creator of this movement is George Kinder, CFP®. He is the recipient of numerous awards for leadership in the financial planning industry and is famous for his 3 Questions. The 3 Questions are an integral part of the Kinder Institute of Life Planning’s process called EVOKE®, which stands for Exploration, Vision, Obstacles, Knowledge, and Execution. Registered Life Planners® use this mindfulness-based methodology to inspire clients to discover, articulate, and pursue their aspirations.

 

Financial Life Planning goes deeper than typical financial planning services. Through an in-depth, exploratory process, we guide you in uncovering what’s most meaningful to you — what is your life’s purpose — so you can realign your focus with an ignited personal vision. Then we work with you to organize your finances, mapping out a financial plan to support your life plan and help you begin manifesting the resources you need to live your dreams.

 

If you would like to experience the 3 questions and the EVOKE® life planning process, please contact us.

circle
circle
circle

Education Planning

Sending a child to college can come at a significant cost. Paying for education can come in many forms such as scholarships, grants, student loans or personal savings and investments. Investing in 529s and custodian accounts have traditionally been the investment vehicles of choice to prepare for this expense but both come with benefits, drawbacks and implications for qualifying for financial aid. We can assist you in understanding the differences, estimate the true costs, explore the various savings and financing options and develop a plan to tackle the cost of education.