An Important COVID-19 Update from the CEO of EP Wealth Advisors

Given the unprecedented impact of the novel COVID-19 virus, we at EP Wealth want to share a few key updates regarding our commitment to you. We will do our part to protect your health, employee health, and our communities while still providing you the service you have been accustomed to. 

Business Will Continue - We Are Prepared for This

Our Business Continuity Plan has been enacted. This plan was developed and is currently being administered by our firm’s senior leadership.  The Business Continuity Plan is intended to allow our firm to maintain normal operation and provide continuous services to our clients under current circumstances or any other unexpected scenarios without any anticipated disruptions. The plan includes the capability for our staff to operate remotely while maintaining standard efficiencies. We have enacted the remote capabilities of our Plan on multiple occasions. Most recently, as a result of the fires that affected Northern California, we were forced to close our offices in the region. In these instances, we are pleased to say that the Business Continuity Plan was employed without any business or operational disruptions. We have planned for and are dedicated to providing our services no matter the situation. As directed by government officials or as otherwise determined by our firm’s senior leadership, we will close some or all of our offices.

Please bear with us, as the current situation is fluid and constantly changing, and, as a result, may cause minor delays in processing. However, rest assured that due to our preemptive planning and preparation, we will continue to service your accounts as normal. 

Many Ways to Talk with Your EP Wealth Advisor

Based on recommendations for social distancing from the Centers of Disease Control and Prevention, we recommend you call or video conference for your meetings. All our normal phone lines work, and if you need to see us in person, that is still an option in almost all locations. We are here and we want to help. 

Watchful Eye on the Markets

We will continue to keep you updated about the market via our Informed Investor webinars, newsletters, our Facebook page, and our blog.

Up to Date Information – Continued Access Virtually

Our entire staff will be able to help you remotely. Our phone lines are still open. However, all offices will be closed until further notice.

To see our up to date hours of operation, you can click here.

Deposits – Mailing Addresses and Mobile Deposits

With offices closed, we want to make sure it’s as easy as possible to make your deposits into your accounts through our custodian partners. We have three, Charles Schwab, TD Ameritrade, and Fidelity Investments.

Deposits with EP Wealth Advisors

You can still mail your deposits to EP Wealth Advisors, with checks addressed to your custodian. We will continue to pick up mail and deposit checks on your account, as we always do.  During this time where all of our staff is working from home, there may be a slight delay in deposit time.

If you are looking for an urgent deposit, please deposit directly with your custodian. We have included directions for all three custodians below, including options for mobile deposit.

Deposits with Charles Schwab

Charles Schwab requests that you include a deposit slip found here, with endorsed check that says “For Deposit Only.” Please mail your endorsed check and completed deposit slip to:

Overnight mail:

Charles Schwab Bank

1945 Northwestern Drive

El Paso, Texas 79912

Standard mail:

Charles Schwab Bank

P.O. Box 982603

El Paso, TX 79998-2603 

 

Charles Schwab also has a mobile app that enables deposits that can be found here.

Deposits with TD Ameritrade

TD Ameritrade has check deposit slips for IRA accounts and non-IRA accounts that need to be accompanied with their deposits.

Mail your endorsed check and completed deposit slip to:

Overnight Address:

TD Ameritrade

7801 Mesquite Bend Drive, Suite 12

Irving, TX 75063-6043

Standard Mail:

TD Ameritrade

PO Box 650567 

Dallas TX 75265-0567

TD Ameritrade also has options for mobile and wire deposit.

Deposits with Fidelity Investments

Fidelity asks that you include a deposit slip with your mail in checks, which can be found here.

Please mail your checks to:

Fidelity Investments

100 Crosby Parkway, KC1J

Covington, KY 41015-8010

Fidelity also offers mobile deposit through their app. In case you want to learn how to do it, they also have a video tutorial on mobile deposit.

EP Wealth is here for you. Should you have any questions, please reach out to your advisor. We cherish our client relationships and look forward to seeing you all soon.

Patrick Goshtigian


Thank you,
Patrick Goshtigian, CFA
CEO and President
EP Wealth Advisors

Our Wealth Advising Process | EP Wealth Advisors

Our Process: Your Path to Peace of Mind

EP Wealth’s Peace of Mind Planning Model is our cornerstone wealth management process intended to help you build a more solid financial future

Discover

We spend the time with you to develop a comprehensive understanding of your current needs, future goals, and personal or family ambitions—the crucial context needed to plan, invest and forge an effective partnership.

Prioritize

You’ll receive a tailored financial plan that organizes your financials and defines your goals. This financial foundation allows us to make thoughtful decisions together that are in your long-term best interest.

Implement

We work with you to put your plan into action. This includes creating an investment portfolio strategically structured by our in-house investment team, balanced by your goals and your risk tolerance. It reaches beyond securities to encompass your real estate, small business, insurance, college funding, wealth transfer and more to create a resilient, personalized and integrated portfolio.

Monitor

Our goal is to limit the surprises, and our responsibility is to continually keep you informed through transparent reporting and proactive recommendations aligned to your goals and objectives. When you have questions, we will be there to help you.

Wealth Management Services | EP Wealth Advisors

Our Services

In all of our wealth management services we analyze your unique circumstances and make sure we are working towards your identified goals. As fee-only advisors, we strive to make the process simple and transparent.

Investment Management

Portfolio performance is only as important as it helps you achieve your goals. At EP Wealth Advisors we strategically allocate your investments to make sure you have enough cash for the short term, stability for the medium term, and long term growth exposure that fits your goals.
 

Financial Planning

Money is fuel to help you reach your life goals. And using it wisely can be complex. That’s why EP Wealth Advisors can help you with any decision with a dollar sign, and create a personalized plan for you to achieve your goals.

» Learn more about our financial planning services

 

Retirement Planning

Retirement Guide Cover1

Take the mystery out of retirement planning. Use our free guide to get started today.

 

How much do you need to retire? And what do you need to do? At EP Wealth Advisors, we help answer questions like those and integrate them into your personal financial plan and portfolio allocation with the goal of guiding you to a meaningful retirement.

» Learn more about our retirement planning services

 

Social Security Planning

Managing the complexities of the Social Security system can be tricky. At EP Wealth Advisors, we help create a social security claiming strategy based on your assets, income streams, marital status, and financial goals. CONTACT US FOR MORE…

 

Tax Planning

As your wealth increases, your taxes may increase in complexity. At EP Wealth Advisors, we work with you and your CPA to show tax projections that integrate income taxes, capital gains tax, required minimum distributions, and additional taxes so you can see how your decisions today impact your tax decisions in the future.

» Learn more about our tax planning services

 

Life Transition Planning

Major life changes like marriage, divorce, inheritance, birth of a child, widowhood, or a sale of a business can be emotional and even change the goals in your life. At EP Wealth Advisors, we guide our clients through these uncertain times by listening and simplifying financial decisions so that all involved have financial guidance as they transition into the next phase of life.

» Learn more about our life transition planning services

 

Real Estate Analysis and Planning

How can you afford that dream home? Is the debt on your current home structured properly? Do you have clarity on the cap rate and income performance of your real estate investments? At EP Wealth Advisors, we can help answer your real estate questions, and make sure that your real estate fits into your financial plan and investment portfolio. CONTACT US FOR MORE…

 

Estate Planning

Protecting your estate and preserving your legacy can be a complicated process with the shifting tax codes and regulations. At EP Wealth Advisors, we work with you and your Estate Attorney to craft an overall plan to establish financial security for your heirs, estate tax planning, and direct donations to your most meaningful philanthropic causes.

» Learn more about our estate planning services

 

Small Business Financial Planning

If you’re a small business owner, doing your personal and corporate finances can be doubly taxing. With EP Wealth Advisors’ help, you can simplify the process by integrating your business and personal planning—finding synergies that may reduce your taxes and create more personal wealth. This often includes setting up a retirement plan with your business.

» Learn more about our small business financial planning services

 

Stock Options Analysis

Stock options come in many different forms, and exercising them can be time consuming. At EP Wealth Advisors, we analyze the vesting schedules, concentrations, selling restrictions, and tax implications to provide you a recommendation that fits into your financial plan and portfolio. CONTACT US FOR MORE…

 

Insurance Analysis

Who likes reviewing the intricacies of health insurance, life insurance, umbrella insurance or any kind of insurance for that matter? We do. At EP Wealth Advisors, we identify your risk and make insurance recommendations in line to protect your financial plan. CONTACT US FOR MORE…

 

Investing in Women

We know everyone is different and that often women face unique financial challenges. We also know these challenges are constantly changing. Today, women typically live longer than men, earn less than men, invest at a lower rate than men and can get a “motherhood penalty” of 10% pay reduction for raising kids. At EP Wealth we don’t just talk about these challenges. Our cause and calling is to partner with you to understand your challenges, to make positive change happen and see results, no matter your gender. CONTACT US FOR MORE…

 

Personal Financial Website

Organizing your personal information can be the most overwhelming part of financial planning. We provide our clients a personal financial website for you to track investments, cash flow, and credit card awards in real time and securely store important documents like estate plans, trusts, and tax returns, all in one place. This tool allows you and your advisor to review your overall financial plan, asset allocation and individual investments anytime so when you need to make a financial decision, you have the information to make a prudent decision. CONTACT US FOR MORE…

 

Financial Education

The better informed you are, the more prudent your decisions will be. Through every step, we help you better understand your financial situation with one on one reviews, investment newsletters and our twice annual Market Outlook events.

» Learn more about financial education

Fundamental-Principles of Fiduciary Financial Advisors | EP Wealth Advisors

Our Fundamental Principles

Simplicity

Our goal is to simplify your financial life. Achieving your financial objectives can involve numerous components. Bringing them all together through a team that understands the big picture can significantly simplify your life. We’ve built our Peace of Mind (POM) Planning Model to serve as a comprehensive approach to managing all of your financial needs. This includes the way different life stages can change your goals and needs. So when new issues arise in your life, we’re well prepared to address them.

Transparency

Seeing is believing. That’s why EP Wealth’s POM Planning Model is so valuable: you’ll see the steps in the process beforehand so you know what to expect. And you’ll receive quarterly reports and participate in an annual review so you have a clear understanding of your progress and will address any changes in objectives. Our own approach to business is transparent as well. We’re fee-only advisors—with no products to sell. Because your success is our success, you can be confident that our recommendations are always in your best interest.

Purpose

It’s the why of wealth that ultimately matters. We’re here to help you focus on the “whys” that matter most to you, and arrange your financial resources to achieve them. Whatever your priorities—from financial security to philanthropic causes—we’ll align our capabilities with your goals. The result is performance with a purpose: empowering you to live a more meaningful life.

Meet the EP Wealth Advisors Team | EP Wealth

Meet the EP Wealth Advisors Team

We have offices, wealth management services, financial advisors and financial planners located in Torrance South Bay, Northern California’s Bay Area, Southern California’s Orange County, San Diego, Valencia, West Los Angeles, Seattle, Washington, Denver, Colorado and Phoenix, Arizona.

Contact Us For More Information