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
out clients including:
Consulting
Services
Implementation
Services
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 piece of mind that comes with
putting strategies in place, so that at the appropriate, 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.
Insurance
products and programs offered through HA&W Risk Management,
LLC. Securities offered through Securities America, Inc. Member
NASD/SIPC. Shane Austin, Nick Bhandari, Lisa Schiffer, 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 Securities America, Inc. |
