You may have an attorney, an accountant, a retirement plan, and an estate plan.

But if you have wealth or substantial financial assets, you also need an experienced financial planner to build an integrated financial blueprint that takes your entire financial situation into consideration and helps you achieve your goals.

Spero-Smith Investment Advisers has decades of experience in working with high-net-worth individuals, families, and business owners and in-depth knowledge of retirement planning, wealth transfer, executive compensation, insurance, and cash flow planning.

• “What if I retire next year? Work five years longer? Switch careers?”
• “What if we move in retirement? Buy a vacation home? Spend more on travel?”
• “What if I give my children money? Pay for my grandchildren’s education? Give more to charity?”
• “What if taxes go up? Inflation goes up? Health care costs go up? I live to 100?”

Once we create an initial Wealth Forecast to help you understand how much you need to save (or sell a business for) and how much you can spend to be confident you will not outlive your money and achieve other financial goals, we can adjust the assumptions to assess the potential impact of various “what if” scenarios. Click here to see a sample report.

Whether you need one-time financial planning or ongoing guidance in charting your financial course, we offer a full array of financial advisory services tailored to your specific objectives and designed to help you answer the “what if” questions. Our position as an independent, objective planner and fiduciary assures you of a plan focused on your interests.

Our financial planning experts can help you with:

• Asset Allocation Analysis
• Evaluation of holdings outside of Spero-Smith management
• Research on specific securities in which you have an interest

• Pension analysis: Which option to choose, single vs. joint and survivor benefits, etc.
• When to begin Social Security benefits
• Scenario analysis (stress testing)
• Retirement projections (Monte Carlo analysis)

• Savings projections
• 529 plans: Plan choices, investment choices, gift tax ramifications
• College financial aid

• Roth IRA conversion decisions
• Income or estate tax questions
• Communication with your tax preparer on tax issues (i.e., realized gains and losses)

• Budgeting and cash flow analysis
• Spending rate analysis considering outside holdings

• Life insurance
• Disability insurance
• Long-term care insurance
• Health insurance & Medicare

• Stock options and restricted stock analysis
• Executive compensation
• Qualified plans
• Non-qualified plans (i.e., deferred compensation)
• Business valuations
• Business transition planning

• Charitable giving: Planning and tax ramifications
• Charitable gift funds and donor advised funds
• Family gift planning and gift tax considerations
• Beneficiary reviews
• Document review (such as wills and trusts)
• Estate settlement process (such as funding trusts, processing IRA distributions, moving accounts, gathering paperwork)
• Participation in attorney consultations
• Facilitating the funding of unfunded living trusts