Our first meeting for family wealth planning is our Foundation Dialogue Meeting. This is a get to know you meeting where we discuss many different areas of your situation at a high level. We begin with a quick discussion of what brought you in to meet with us.  Next, we’ll spend some time on your goals and about 30 minutes reviewing your Personal Values Questionnaire.  At this point, we will have a better feel for you and the issues that you may face, and whether or not it looks like we could be a good fit to work together.

We have three major areas on the personal side.  Those who are about 5-10 years out from taking retirement, those who are about to enter the transitional period from work to retirement (The High Risk Corridor), and those who are currently in Retirement.

Prudent Retirement Blueprint

Many people only want to look at the impacts of when they stop working. For most who fall into this category, we generally recommend the Prudent Retirement Blueprint.

Prudent Executive Retirement Blueprint

For those who are at the Executive level, either Corporate or Collegiate, our Prudent Executive Retirement Blueprint, with its attention to your unique benefits, is a better fit.

Custom Wealth Architect

For those needing a full-scale comprehensive review, we recommend the Custom Wealth Architect, which incorporates your Accountants and Estate Attorneys to maximize your legacy and philanthropic aspirations.

Once we know which service would be most beneficial to you, we outline our fees upfront and provide you with an outline of the next steps and the estimated timelines attached to each step.

If we both agree that it looks like we could be a good fit to work together for your family wealth planning, we will schedule our next meeting at the close of our foundation dialog meeting.


We believe that there is an ART to investing, as well as a science. Our process is based on three distinct elements.

  • Asset allocation
  • Risk management and
  • Technical analysis

We blend these three elements because no specific management style is continuously in favor and the markets always have the final say.

Since we specialize in working with retirees, we are keenly aware of the unique demands and risks that are placed on retirement assets. Combining all of these elements into a portfolio that is based upon sound distribution principals and solid risk management is paramount to success in today’s markets.

Our family wealth planning approach is very intuitive. 

  • First, we develop your baseline asset allocation, with an eye toward your natural comfort level or bias towards risk.  Are you a naturally cautious individual, or someone who likes to take more chances, or perhaps you’re a little of both?  We will help you determine just which type of investor you are.
  • Second, since we know that markets can be very volatile at times, we utilize technical analysis which helps us smooth out the rough ride by acting like a shock absorbent does on your car.  So rather than simply having all of your assets at work in either type of strategy, we allocate based upon your risk level and your objectives.
  • Third, almost every individual we meet has little or no risk management in their portfolio.  Most believe that building a diversified portfolio constitutes risk management and although that is an important element, it is certainly not the only element.  At Prudent, we ask who is doing your risk management and what are the guidelines and techniques being used?  Determining a Client’s true comfort with risk is very important to us.  It helps us to determine what you should and should not have in your portfolio so that you can sleep at night.

Our portfolio management is structured this way because investors want to be in the markets to get the potential returns that they offer; however, we remain aware of the impacts of a bad series of returns, early in retirement, as it can destroy ones long-term success.  We call this sequence of return, "risk," and it is critical to Retirees.

We want you to prosper; however, we always have our eyes open for things that could change the landscape for our investments.  Sometimes we can control them and sometimes we cannot.  What we can do, is control how much exposure one is willing to take and which methods can help you the most in addressing your Retirement goals.

At Prudent, we recognize that every Client has unique needs and they should have a portfolio that fits those individual needs.

Asset allocation does not ensure a profit or protect against a loss.

Let Us Help You Achieve Your Retirement Goals

Schedule a Free Consultation Today