Wealth Management - Our Services

Tegra is a comprehensive wealth management firm. What is true wealth management? We believe successful wealth management combines science with art to custom fit our clients unique financial needs.

There is no “one-size-fits-all” solution at Tegra. We employ sophisticated yet understandable solutions to address our client’s financial issues. We take the time to listen, to understand, to put ourselves in the place of our clients so we can better understand their frustrations, their goals, and their dreams.

We have put together a unique and independent suite of services for our clients including:

Consulting Services Financial Planning Estate Planning Education Planning Retirement Distribution Planning Tax Planning

Implementation Services Asset Management Risk Management

Financial Planning

Our experienced planning team, consisting of Certified Financial Planner ®, Certified Public Accountants, and Attorneys come together to address challenges you face when putting a comprehensive strategy in place that accomplishes your goals.

Every client has their own unique priorities, and we work together to make sure we have addressed all the issues important to our clients. Together, we examine issues such as:

• Accumulating enough for a successful retirement
• Making sure we have addressed catastrophic issues such as the potential death or disability of a loved one
• Understanding your true financial net worth and cash flow
• Helping client prioritize their financial goals
• Ensuring your investments are best positioned to help you meet your financial goals
• Understanding and optimizing your employee benefits

Let the planning experts at Tegra help you construct the path to your financial success and well-being.

Estate Planning

Tegra’s estate planning experts, made up of CFP® and CPA team members, help clients sort through the many complexities associated with crafting a well thought out estate plan.

We take the time to listen to clients – to understand what sort of legacy they wish to leave behind or how to protect their heirs – to help them think through issues that may otherwise pose obstacles for their loved ones at an inopportune time.

We will consult with clients in the areas of:

• Simple or Complex Will review
• Revocable or Irrevocable Trust review
• Charitable giving
• Elder care planning
• Planning for the care of minor or grown children

Let our estate planning team give you the peace of mind that comes with putting strategies in place, so that at the appropriate time, what happens is what you meant to happen.

Education Planning

The planners at Tegra have counseled hundreds of clients on the most appropriate methods and vehicles to carry out the educational needs of their children or grandchildren.

We are prepared to advise clients on:

• Education IRA’s
• Gifting strategies
• Section 529 deferred savings plans
• Prepaid Tuition Plans
• Education Trusts

The cost of education is increasing faster than the cost of other good and services. It is never too soon or too late to review your plans to fulfill this important family objective.

Retirement Distribution Planning

Many advisory or brokerage firms focus only on the accumulation side of a client’s financial life. At Tegra, we know that one of the greatest things our clients will need in the coming decades is an independent guide through the process of distributing their assets in such a way as to match their retirement goals and needs.

Tegra’s distribution planning looks at all of a clients assets – IRA’s, real estate, taxable accounts, 401(k) accounts, business interests – and lays out a comprehensive strategy to distribute these assets in an organized, tax efficient manner.

We take the guess work and stress out of this difficult process by educating our clients on their options, and collaborating with them to create a unique, customized roadmap that allows clients to enjoy the fruits of their labor they have amassed during their working years.

Distribution planning doesn’t have to be mysterious or frustrating – let Tegra’s consultants show you why.

Tax Planning

Tegra tax consultants provided clients with information and counseling on many issues that affect our clients, such as:

• Securities sales, such as low cost basis stock
• Employer stock-option planning
• Real Estate transactions
• Understanding vehicles that could minimize or defer tax

Through our parent company, Habif, Arogeti & Wynne, LLP, we can provide comprehensive tax services, including preparing and filing your personal or business returns.

Asset Management

One of our strongest practice areas, Tegra has the ability to provide guidance and advice to personal or business plan clients on what investment vehicles make the most sense for them. This could take the form of a review of a client’s existing holdings on a one-time project basis, all the way to custom design and ongoing monitoring and management of client’s total portfolio.

Tegra has a full time Investment Committee which provides oversight and guidance to our advisors and ultimately to client portfolios. The committee monitors global investments and conducts formal meetings on a regular basis. Meetings consist of macro and well as micro issue discussions that affect our asset class and investment manager lineup.

Personal Clients

For clients of Tegra using our ongoing asset management services, the committee process provides sound stewardship and systemization for client portfolios. This allows the client and their Tegra advisor to spend more time focusing on the client’s broader financial goals, without delving into the minutiae and detail that are in the thousands of investment options our clients have access to.

Our asset management process provides proper diversification based on a client’s risk return objective. Our advisors will meet with you regularly to ensure our process continues to meet your objectives.

Retirement Plan Clients

Tegra’s specializes in working with trustees of 401(k), Profit Sharing and Defined Benefit Plans. Our systematized, consultative process supports internal plan fiduciaries such as CEO’s, CFO’s, and Directors of Human Resources. We work with well over a hundred such plans. Tegra acts as a plan fiduciary due to its status as an SEC registered investment advisor entity. This means we are on the same side of the table as our clients, helping them to understand and implement at well thought out, conflict free investment policy for their employee retirement plans.

In an area of rising scrutiny, using Tegra to assist your business in your ERISA plan governance is more necessary than ever.

Risk Management

One of the most important aspects of what we do is in the analysis and planning of a clients risk management program. We consult and advise clients in many areas, including:

Personal Risk Management

• Survivorship Planning
• Disability Income Planning
• Medical Care Planning
• Long-term/Eldercare Planning
• Liability Planning – auto, home, umbrella, professional liability

Business Risk Management

• Business Continuity Planning
• Key person loss Planning
• Work-mans compensation issues
• General & specific liability exposure planning
• Directors & Officers exposure
• Fiduciary exposure (in conjunction with ERISA plans)

A sound financial plan is only as good as the risk management plan within it. Let Tegra show you how we can help put a plan in place that clearly meets your needs.

For any coverage’s needed to maintain the effectiveness of your risk management plan, we have access to a host of financial services programs as an independent insurance brokerage.

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Insurance products and programs offered through HA&W Risk Management, LLC. Securities offered through Triad Advisors, Inc. Member FINRA/SIPC. Shane Austin, Nick Bhandari, Emily Novick, Lisa Schiffer, David Schultz, Chris Wynne, Registered Representatives. Advisory services offered through HA&W Wealth Management, LLC. HA&W Wealth Management LLC and TEGRA Financial Partners are not affiliated with Triad Advisors, Inc.