Personalized, Holistic Financial Services

Offering Customized Recommendations

At Bedrock Asset Management, we don’t use a cookie-cutter approach to financial planning. Every plan is customized to the unique needs of the client. We take the time to listen and get to know each person and their situation before making any recommendations.

Do you need help looking at your entire financial picture and developing short- and long-term goals? That's what financial planning is all about. It is an "umbrella" activity that can help you identify an action plan to achieve various financial goals such as saving for an education, planning for retirement, managing taxes and insurance, paying off debt, managing money and cash flow, and tending to legacy issues. Comprehensive financial planning is often the first step to getting organized and becoming proactive, instead of reactive, with your financial life.

Financial Planning

Does your investment portfolio need some attention? If so, a new or refreshed strategy may be in order. Investment strategy takes a close look at your accounts. It considers short- and long-term goals, personal risk tolerance (which ranges anywhere from conservative to aggressive), time horizon and overall capital needs. Investment strategy is an ongoing activity, and your choices and accounts need constant monitoring and updating as the market and your situation and evolve.

Investment Strategies

Paying taxes is dreaded by most of us. We work all year, pay off debts, try to save and invest—and then pay taxes. While we know that we must pay our fair share, no one wants to over-pay or miss out on legitimate tax deductions or tax strategies that can keep more money in our pockets. We can look at your unique situation and work with your accountant or CPA to see if tax minimization strategies using various insurance and financial products could work in your favor. The more money you can keep today by saving on taxes, the more money you will have to allocate toward other goals.

Tax Minimization Planning Strategies

Insurance planning is an integral part of an overall financial plan. Insurance products are typically used to help reduce financial risk and protect assets. Life insurance comes in several types, including term, whole, and universal life, each with unique features and benefits. Life insurance is typically used to leave a financial gift to loved ones, a favorite charity, or other beneficiaries after death. Annuities are also insurance products that can be helpful when the policy owner would like to protect funds from market volatility and taxes and create an additional guaranteed income stream.

Insurance Planning

Are you nearing retirement and wondering how you will fund the next phase of life with your defined benefit pension, 401(k), Social Security, or other income sources? Transitioning from earning a paycheck to spending your retirement savings comes with many decisions about timing, taxes, and cash flow. There are often concerns about making your retirement nest egg last a lifetime while taking steps to avoid risks like rising costs and stock market volatility. We can help assess your situation and create a personalized retirement income plan. We can also identify gaps and propose strategies for additional income streams if needed.

Retirement Income Planning

Planning for one's passing is uncomfortable for some people. However, not making plans can create emotional and financial discomfort for your surviving family members after passing. Not having your affairs in order at the time of death can cause your estate to go through probate, cost extra in taxes, and create confusion for families who are unaware of your final wishes. We can work with you to ensure your account beneficiary information is current, set up life insurance policies, and work with your attorney to set up wills, power of attorney, and estate planning documents. Organizing your affairs will help ensure your final wishes are honored and your loved ones are remembered.

Legacy Planning Strategies

Self-Shaming, and “You-Should-lists” are rarely helpful. Procrastination and self-sabotaging become the victors in the battle for financial control. When spending less money, getting out of debt, and saving more money is a heavy burden, coaching could help.

Financial goals should reflect your purpose in life. Your to-do list should support and be connected to the things that bring you joy and excitement. When there is integrity and direct correlation between your purpose and the financial goals (spending less money, getting out of debt, saving more) you do the things you commit to do!

Coaching from Bedrock Asset Management starts with discovering the things that light you up! We help you create and identify the vision you have of your best life. Together, we set the financial goals. Our weekly meetings and clearly identified steps have meaning. Your progress becomes an exciting journey. We give you accountability and provide information that will help your commitments and bring you success.

Financial Coaching