Comprehensive Financial Planning and Investment Management Services

COMPREHENSIVE FINANCIAL PLANNING:

Bovee Wealth Management works with our clients in each of the following areas to make sound financial decisions and to efficiently allocate their income and assets to help them meet their goals:

FINANCIAL POSITION:

  • Building net worth
  • Allocating cash flow
  • Creating a working cash reserve
  • Managing debt 

RISK MANAGEMENT:

  • Disability income protection
  • Premature death protection (life insurance)
  • Long-term care needs

INVESTMENT PLANNING: 

  • Asset allocation portfolio analysis
  • Saving towards goals
  • Saving for college education

 INCOME TAX PLANNING*:

  • Tax triangle portfolio analysis and management
  • Investing in tax-favored investments
  • Maximizing tax deductions
  • Tax credits
  • Charitable gifts

* ALWAYS consult with your tax advisor BEFORE making any final tax decisions!

 RETIREMENT PLANNING: 

  • Retirement gap analysis for the pre-retired
  • Helping to ensure adequate retirement income
  • Funding qualified plans
  • Distributions from qualified plans
  • Required Minimum Distributions calculations (RMDs)

 ESTATE PLANNING**:

  • Review basic estate planning strategies including wills, power of attorney and health care directives 
  • Review ownerships and beneficiary designations
  • Review advanced estate planning strategies including:
    • living and testamentary trusts
    • lifetime gifting strategies
    • charitable giving

**  Estate planing strategies are discussed but actual documents must be drawn up by an attorney.

INVESTMENT MANAGEMENT:

We use the following strategy and products to create investment portfolios for his clients that are designed to meet the client's objectives while considering time horizon, risk tolerance and tax liability.

ASSET ALLOCATION PORTFOLIO MANAGEMENT:

  • Asset Allocation is the process of determining optimal allocations for the broad categories of assets (cash, stocks, bonds, real estate, etc.) that suit a client's objectives, time horizon and risk tolerance.
  • Asset Allocation may be the most important decision and may account for more than 80% of the return of an investment portfolio.
  • The goal of Asset Allocation Portfolio Management is to create an "efficient portfolio" as defined by Harry Markowitz where the diversification of the assets creates the least amount of risk for a given level of expected return (or conversely, the largest amount of return for a given level of risk).

INVESTMENT PRODUCTS AND SERVICES:

  • As an independent financial advisor firm, Bovee Wealth Management is able to offer a full range of investment and insurance products, including: 
    • Mutual Funds
    • Individual Stocks and Bonds
    • Exchange Traded Funds (ETFs)
    • Certificates of Deposit (CDs)
    • Real Estate Investment Trusts (REITs)
    • Wrap Accounts
    • Managed Accounts
    • Third Party Money Managers
    • Variable Annuities
    • Fixed Annuities
    • Life Insurance*
    • Health Insurance*
    • Disability Insurance*
    • Long-term Care Insurance*

*Insurance products listed above are not offered by Osaic Wealth, Inc. - Member FINRA/SPIC.  

All investing involves risk including the potential loss of principal. No investment strategy such as asset allocation can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary.  Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.