Our Services
Investment Management
At B&C Financial Advisors, our primary goal when managing your assets is to preserve your hard-earned capital. Our second goal is to grow and manage your portfolio using a risk profile (“asset allocation”) that is personalized to fit your unique circumstances and help you reach your financial goals. As fee-only financial advisors, we do not earn commissions by selling you “fancy” financial products. We build you your own “mutual fund,” professionally managed for your specific needs using individually-owned assets.
Comprehensive Financial Planning
As a valued B&C Financial Advisors client, we understand your personal financial situation is unique and should be treated as such. Here you will receive objective financial advice from our team of Certified Financial PlannersTM and an Accredited Wealth Management AdvisorSM, who will work with you to establish your financial needs and goals, as well as a comprehensive plan to help you get there. Below are the steps we take with you to develop your personalized plan:
- 1 Organize Financial Life
- 2 Identify Goals & Areas of Improvement
- 3 Develop a Customized Plan
- 4 Implement Plan
- 5 Monitor/Review Plan Over Time
WHO WE SERVE
Individuals & Families
We work with individuals and families in all stages of life. Using a combination of comprehensive financial planning and our unique investment management philosophy, we work with you safely grow and manage your net worth. Our advisory services include:
- Financial Organization
- Saving & Budgeting Strategies
- Education Planning
- Personal Risk Assessment
- & More
Young Professionals
You are early on in your career and are focused on paying down debt, beginning or increasing savings contributions toward retirement, and achieving a positive work-life balance. Our advisory services include:
- Debt Management & Payoff
- Large Purchase Planning
- Basic Retirement Planning
- Budget & Personal Balance Sheet
- & More
Business Owners
As a business owner, we know your time is valuable and that your business has a large impact on your personal finances. Together, we create a comprehensive plan to address your personal financial needs and those of your business. Our advisory services include:
- Company Retirement Plan Design & Management
- Collaboration with CPA as Necessary
- Retirement Planning
- Tax Loss Harvesting
- & More
Executives
Your wealth is growing, and you are busy managing a stressful, yet rewarding, career. You have savings and some investments—perhaps a large concentration of employer stock— but not a comprehensive plan. Our advisory services include:
- Concentrated Stock Position Management
- Stock Options Analysis
- Employer Retirement Plan Distribution Strategies
- Annuity Rescue
- & More
Retirees
With paychecks no longer being deposited into your account(s), you live on a relatively fixed income (Social Security, pensions, etc.), covering any additional expenses (vacations, gifts, monthly bills, etc.) by withdrawing from your investment accounts. Our advisory services include:
- Cash Flow Planning
- Estate & Gift Planning
- Tax Planning
- Social Security Timing
- & More
Types of Managed Accounts
| Investment Goal | % IN EQUITIES | % IN FIXED INCOME |
|---|---|---|
| Growth | 60% OR MORE | 40% OR LESS |
| Balanced | 40% – 60% | 60% – 40% |
| Conservative | 25% – 40% | 75% – 60% |
| Preservation of Capital | 25% OR LESS 0% | 75% OR MORE |
| Fixed/Income | 0% | 100% |
FEE STRUCTURE
| MARKET VALUE OF ASSETS | |
|---|---|
| UP TO $500,000 | 1.50% |
| $500,001 – $1,000,000 | 1.25% |
| $1,000,001 – $5,000,000 | 1.00% |
| $5,000,001 AND ABOVE | 0.75% |