OUR APPROACH
Enriching the Lives of Our Clients
At River Wealth Advisors, we provide clients with personalized financial strategies that can help guide them through the changing currents of their lives. Whether you’re beginning to build your personal wealth, facing a financial life change, or planning for retirement, we offer a straight-forward approach with disciplined financial strategies and sound risk management. Below are just a few examples of the financial life scenarios that we guide clients through.
Client example
Life-Altering Event
Situation:
Untimely death of her spouse leaves 67-year-old widow with significant, active real estate investment portfolio
Widow has limited experience with business and investment matters
our value:
Assisted in building a team of professionals that could help with this transition, including an estate attorney, CPA and real estate professional
Assisted with the disposition of real estate holdings and transition proceeds into a portfolio of investment assets designed to support her lifestyle
Assisted with estate plan design and implementation to support the well-being of future generations
RESULTS:
Comfortably retired in California, she is no longer a real estate investor
She has a group of trusted advisors to assist with needs as they arise
River Wealth Advisors manages her portfolio and provides guidance on major financial decisions to help ensure her desired retirement lifestyle remains intact
client example
Working Professional
situation:
Busy professional has successfully accumulated significant investment assets
Limited time to focus on day-to-day management, but realizes its importance
Multiple broker/custodial relationships further complicate investment administration
Limited ability to translate accumulated wealth into a practical long-term plan
Increasing analysis needed for various executive compensation plans
Emerging needs for more complex tax and wealth transfer strategies
our value:
Consolidated disparate holdings under one custodian to improve administrative efficiency and simplify the process
Prepared a goals-based financial plan to determine what was needed to achieve the individual’s long-term objectives
Designed a portfolio around the long-term plan and the individual’s comfort with investment risk
Built an understanding and explored the use of specialized tax, estate planning and insider divestiture rules and plans
RESULTS:
The client has a clear understanding of the plan, including planned actions and risks
During periodic meetings, plan updates are provided and discussed, and changes are adopted as needed
The client has confidence in the execution of the plan and knowing that the assets are being managed professionally
Client example
Transition To Retirement
situation:
A husband is nearing retirement with significant assets accumulated in retirement accounts
Assistance is needed to understand how to convert savings into dependable retirement cash flow
our value:
Assisted the husband and wife in developing an understanding of what their retirement income needs would be
Evaluated various sources of retirement income and provided analysis of the available options
Prepared a spending plan that incorporated all available income and assets to determine if spending goals were reasonable and achievable
Designed a portfolio around the couple’s goals, objectives and comfort with investment risk
RESULTS:
The husband is now retired, with regular distributions being deposited from the couple’s investment account to their checking account
The portfolio and spending plan have been designed so that the couple’s lifestyle is not exposed to market volatility
During regular client meetings, updates are provided to ensure the plan adequately reflects the couple’s current situation
The couple has confidence in the execution of the plan and knowing that the assets are being managed professionally
The above scenarios are hypothetical and do not involve an actual River Wealth client. No portion of the above should be construed by a client or prospective client as a guarantee that they will experience the same or a certain level of results or satisfaction if River Wealth is engaged, or continues to be engaged, to provide investment advisory services. Not all services will be appropriate or necessary for all clients, and the potential value and benefit of the River Wealth Advisor’s services will vary based upon the client’s individual investment, financial, and tax circumstances. Past performance does not guarantee future results. The receipt of personalized and tailored services, or the client’s access to financial or professional resources should not be construed as a guarantee of a particular outcome. All investing comes with risk, including risk of loss. The effectiveness and potential success of an investment management strategy, including those described here, depends on a variety of factors, including but not limited to the manner and timing of implementation, coordination with the client and the client’s other engaged professionals, and market conditions.