No two financial situations are the same, so no two financial plans should be either.
At EP Wealth Advisors, we consider every aspect of a person’s financial picture to ensure we craft a plan tailored to their needs and goals. While the nuances of every person’s situation is unique, here are some of the ways we tailor a portfolio to the needs of certain clients.
Having already spent most of their adult life preparing for retirement, retirees are often concerned most with capital preservation, steady cashflows, or tax efficient wealth transfer. At EP Wealth Advisors®, we work with retirees to make sure they can enjoy the fruits of their labors by modeling out and planning throughout their retirement.
Executives often take a large portion of their compensation in stock; creating a concentrated, undiversified position in the investment portfolio. We work with executives to divest and diversify this risk in a tax efficient manner so they can get back to their careers.
With little time on their hands as it is, business owners can have a stellar professional operation, but keep their business and personal finances very separate. We help these clients first integrate their business and personal finances so they can have a complete picture of their financial health and then help them fill in any gaps; whether that be through tax efficient retirement plans, employee benefit plans, or insurance coverages.
Entertainment professionals often have made a career for themselves without the need for a strong knowledge of business. We come in and serve as a financial and business advisor to these clients by helping them structure a plan around their work and prepare for possible volatility in earnings.
Professional athletes have a deep focus on their sport, and thinking about finances can add anxiety and complexity. We often help these clients develop a budget to handle influxes of capital in a way that will help high earnings last well after their sports career ends.
Being an engineer requires precision, engineers love to get into the details of their portfolio positions and the Monte Carlo analyses of their financial plans. We dive deep with these clients to explore and optimize every aspect of their financial plan, whether that be tax planning, different scenarios in monte carlo simulations, or choice of insurance policies.
Whether doctors are part of their own Independent Physician Association or a Medical Group, doctors may have tax opportunities like small business owners or compensation packages that allow for them to scale back before they fully retire . We help these clients understand just what it is they already have and then identify and fill the gaps.
Lawyers often come to us asking for help in taking some of the stress out of their life. They do not have time to process the portfolio implications of their partnerships or defined benefit plans. EP Wealth helps lawyers understand the benefits they have, as well as analyze the diversification implications of being an owner in a partnership. As a business structure, partnerships have unique liquidity and estate transfer implications.
Coming to us at one of the most complex and emotional points in their lives, recent and soon-to-be divorcees need help understanding where they’ve financially landed after their life has been turned upside down. We work with these clients to account for each piece of financial information available to create a complete picture of their financial health, which we then use to create a plan for moving on in life.
Much like divorcees, widows and widowers come to us just after going through immense hardship, looking for help moving forward. Often already having some sort of financial plan in place, we help these clients recreate that plan to account for this change in circumstances so they can move on with their next phase of life.
Our financial advisors work with LGBTQ+ clients to understand the current legal and regulatory landscape as it pertains to benefits plans, estate planning, and marital rights, so that the financial plan we craft accounts for them properly.
With a large portion of their net worth tied up in illiquid, undiversified real estate holdings, property owners often want help diversifying away some of that risk in a tax efficient manner, while still maintaining their wealth-creating real estate positions. We help these clients create tailored investment portfolios diversified from their real estate holdings, as well evaluate purchases and sales of properties.
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EP Wealth Advisors, (“EPWA”) offers services to a variety of clients, including but not limited to the clients referenced herein. Although, a client type has been identified here, EPWA cannot guarantee that it has extensive experience working with the type of clients named. Experience working with different clients differs and EPWA cannot guarantee nor imply that it has expertise serving all client types.
There is no guarantee or warrantee that a client or prospective client that corresponds with the client categories identified herein will experience investment success and does not ensure that a client or prospective client will experience a higher level of performance or results. No guaranty or warranty is made that any direct or implied service, offering, report, or analysis represented here will be offered or delivered. The services offered to clients will vary and depend on several factors.
The information provided and the client categories identified should not be misconstrued as an endorsement of EPWA or its services by any of its current or former clients.
The need for a financial advisor or financial planner and/or the type of services required are specific to the uniqueness of everyone’s circumstances. The services identified herein are limited to those offered by EPWA. There is no guarantee or warrantee that the services offered by EP Wealth Advisors will satisfy your financial services requirements. Services offered by other advisors may align more to your specific needs.
All investment strategies have the potential for profit or loss. Different types of investments and investment strategies involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's portfolio. The risk of loss can never be eliminated even if working with a professional.
Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There can be no assurances that a portfolio will match or exceed any benchmark or specific index. The risk of investment loss can never be eliminated.EP Wealth Advisors, LLC. is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the advisor has attained a particular level of skill or ability.