Danette Lowe, CFP^®
TruNorth Wealth

Financial Services

Our Portfolio Management service is anchored in the principles of Modern Portfolio Theory, combined with the strategic agility of active rebalancing and the personalized touch of advisor discretion. We believe in creating diversified portfolios that not only align with your risk tolerance and investment goals but also adapt dynamically to the ever-changing market landscape. Modern Portfolio Theory (MPT): Our approach starts with MPT, a time-tested strategy focused on optimizing return for a given level of risk. By carefully selecting a mix of asset classes, we aim to maximize the potential of your investments while keeping volatility in check. Active Rebalancing: Markets are in constant motion, and so is your portfolio. We actively monitor and adjust your investments, ensuring that the allocation remains true to your personalized investment strategy. This regular rebalancing is crucial in maintaining the desired risk level and taking advantage of market opportunities. Advisor Discretion: Your financial journey is unique, and our advisor discretion allows us to tailor your portfolio to your specific needs and circumstances. We make informed, timely decisions on your behalf, always keeping your best interests at the forefront.

Retirement Planning is a cornerstone of our services, focusing on turning your vision of a comfortable retirement into a tangible plan. We understand that retirement dreams are as diverse as our clients themselves, ranging from leisurely years at home to adventurous globetrotting. Our role is to help you map out a path to achieve these dreams, taking into account various factors such as your current financial situation, expected retirement age, lifestyle choices, and income needs. We employ a comprehensive approach, considering all sources of retirement income, including pensions, Social Security, savings, and other investments. Our team assists in estimating future expenses, adjusting for inflation and changing life circumstances, to provide a realistic view of your retirement finances. Tax-efficient strategies form a critical part of our retirement planning. We explore opportunities to minimize tax liabilities, maximizing the efficiency of your retirement savings. Additionally, we address other important aspects like healthcare planning and estate considerations, ensuring a holistic plan that covers all bases. Our aim is to provide financial confidence, knowing that your retirement plan is robust, flexible, and tailored to your unique aspirations. Whether you're just beginning to save for retirement or are nearing your retirement years, were here to guide you every step of the way, adjusting the plan as needed to align with your evolving life journey.

401k Rollovers are a vital service we offer for clients transitioning between jobs or retiring. This process involves moving funds from an existing 401k plan into an IRA or a new employer's 401k plan, providing more control over investment choices and potentially leading to better cost efficiency and performance. We guide clients through every step of the rollover process, ensuring decisions align with their long-term financial goals. Our team evaluates the benefits and drawbacks of each option, including factors like investment choices, fees, tax implications, and creditor protections. For clients opting to roll over into an IRA, we offer a range of investment choices, tailored advice, and a personalized strategy. This approach can offer more flexibility and a broader selection of investment options compared to typical 401k plans. Alternatively, rolling over to a new employers 401k might be preferable for those seeking simplicity and consolidated retirement accounts. We assist in understanding the new plans features and how they fit into the client's overall retirement strategy. Throughout the process, we prioritize transparent communication and provide thorough explanations to ensure our clients make informed decisions. Our goal is to make the 401k rollover process seamless and strategically sound, aligning with each client's unique financial landscape and retirement objectives.

Estate planning and risk management are also integral components of our service. We help ensure that your wealth is protected and will be efficiently transferred according to your wishes. This includes addressing issues such as wills, trusts, and insurance needs.

Education Funding and Planning is a specialized service at TruNorth Wealth aimed at securing your childrens educational future. We assist in estimating the costs of education, exploring saving options like 529 plans and other education savings accounts, and implementing tax-efficient strategies. Our approach is personalized, taking into account your familys needs and educational aspirations. We help you build a solid plan to fund education expenses, ensuring youre prepared for this significant investment in your childs future.

Wealth Management at TruNorth Wealth is a comprehensive service designed to address the broad range of financial needs and aspirations of our clients. Our approach is holistic, focusing not just on investments but on every aspect of your financial life. We start by understanding your unique financial situation, goals, and risk tolerance. This understanding allows us to develop a customized strategy that encompasses wealth accumulation, preservation, and distribution. Our wealth management service includes investment management, but it extends far beyond it, incorporating retirement planning, tax strategies, estate planning, and risk management. Investment management forms the core of our wealth management service. We create a diversified portfolio tailored to your specific needs, using a mix of asset classes to balance risk and return. We actively manage your investments, adjusting the strategy as market conditions change and as your personal circumstances evolve. Tax efficiency is a key consideration in our wealth management process. We work to minimize your tax burden through strategic investment choices and by taking advantage of tax-efficient vehicles and strategies. At TruNorth Wealth, we are committed to building long-term relationships with our clients. We provide ongoing advice and support, adapting our services as your life changes, ensuring that your financial plan continues to meet your needs and goals. Our wealth management service is about partnering with you to navigate life's financial journey, providing professional guidance every step of the way.

Risk Management at TruNorth Wealth is integral to protecting your financial well-being. We identify and assess potential risks that could impact your financial goals, such as market volatility, interest rate changes, and unforeseen life events. Our approach includes diversifying investments, setting up contingency funds, and advising on suitable insurance solutions. We tailor risk management strategies to your personal risk tolerance and financial objectives, ensuring a secure and resilient financial plan.

Our Money Management service at TruNorth Wealth is designed to empower you with effective strategies to manage and grow your wealth. We focus on creating a balanced approach to budgeting, saving, and investing, tailored to your unique financial situation and goals. Our team assists in setting realistic financial objectives, establishing emergency funds, and developing a structured plan for managing debts and expenses. We also provide guidance on investment opportunities, ensuring your money works as hard as you do. This service is ideal for individuals looking to optimize their financial resources, achieve their short and long-term goals, and enjoy financial confidence.