Bridget E. Palmer, CRPC^®
Bisdorf Palmer Private Wealth Advisors

Financial Services

Our firm offers various fee-based products and services, such as Custom Models, Select Models, Direct Mutual Fund Wrap Programs, Annuity Models, and Direct SMA/UMA options, to meet our clients' long-term financial objectives and risk tolerance. We provide active and passive portfolio management services, integrating key portfolio management elements such as asset allocation, diversification, rebalancing, and tax efficiency to ensure your portfolio is aligned with your risk/return profile. Our active portfolio management solution involves in-depth research, market forecasting, and the expertise of the portfolio manager or management team, who pay close attention to market trends, economic shifts, changes in the political landscape, and news that affects companies. On the other hand, our passive portfolio management aims to duplicate the return of a particular market index or benchmark, eliminating human error in stock selection and incurring lower expense ratios, making it more tax-efficient than actively managed funds. Our portfolio management services are personalized to ensure that your investments are in line with your financial goals over the long term. We assess your strengths and weaknesses, opportunities and threats across the full spectrum of investments, from debt versus equity to domestic versus international and growth versus safety. We also evaluate your portfolio's performance over time to ensure it is on track and revise it as needed.

Retirement planning is a critical aspect of financial management that individuals should consider as early as possible. The process involves identifying income sources, determining expenses, implementing a savings program, managing assets, and estimating future cash flows to achieve retirement income goals. We understand that retirement planning is not only about finances but also encompasses your entire lifestyle. We take a holistic approach to help you identify your lifestyle choices, such as where to live, how to spend your free time, and when to stop working altogether. Our services are tailored to your needs, and we work with you to create a personalized retirement plan that fits your unique circumstances. We help you determine your magic number, the amount you need to retire comfortably. We also help you consider all your expenses, including housing, health insurance, food, clothing, entertainment, and travel. Our professionals guide you through the essential steps of retirement planning, which include creating a plan, setting aside funds each month, choosing the right accounts, and making periodic adjustments. We also help you navigate non-financial aspects of retirement planning, such as estate planning, tax efficiency, insurance, and how to maximize your Social Security benefits. Don't wait until it's too late; contact us today to start planning for a safe, secure, and fun retirement.

At Bisdorf Palmer, we understand that navigating the world of 401(k) rollovers can be overwhelming. That's why we offer professional and comprehensive 401(k) rollover services to help you make informed decisions about what to do with your retirement savings. When you leave an employer, you have four options for your 401(k) plan. You can roll the assets into an individual retirement account (IRA) or convert them to a Roth IRA, keep your 401(k) with your former employer, consolidate your 401(k) into your new employer's plan, or cash out your 401(k). Each option has various rules to maintain your tax benefits and avoid possible penalties. Our team of professionals can help you understand each of these options to decide which is the best choice for you. We can guide you through the process of rolling over your 401(k) to an IRA, helping you gain control and choice over your investments. We can also help you determine whether a traditional or Roth IRA is right for you based on your financial situation. With our help, you can protect your retirement savings and make informed decisions about your financial future. Contact us today to learn more about our 401(k) rollover services.

Our wealth management services cater to high-net-worth individuals and families, providing personalized financial planning, investment management, tax optimization, estate planning, cash flow management, philanthropic planning, and more. We offer a full range of financial products and services to help our clients achieve specific financial goals. Our team of professionals has exceptional knowledge and experience to manage and grow your assets to provide for future generations. We provide a holistic approach to investment management and can help you with income taxes, estate planning, investment management, and other legal matters that need more attention and specific experience. At Bisdorf Palmer, we pride ourselves on offering a personalized approach to your finances and ensuring that our approach aligns with your financial goals and values. We invite you to contact us to learn more about how we can help you achieve your financial goals and secure your financial future.

Managing your money can be a daunting task. Our cash management services are designed to help individuals, households, and organizations with every aspect of their finances from budgeting and saving to investing and spending. Our team of professionals specializes in investment and portfolio management, offering support for holistic money management plans that can involve estate planning, retirement, and more. We also provide investment fund options for individual consumers and institutional clients that encompass all investable asset classes in the financial market. Our investment solutions utilize actively and passively managed funds selected for performance consistency, low cost, and risk management. Our custom models are the most popular choices with clients because of our attention to investment selection, our tax-loss harvesting protocol, and our focus on portfolio construction. At Bisdorf Palmer, we believe that the ultimate goal of money management is to maximize wealth, and we are dedicated to helping our clients achieve that. With our help, you can be confident that your finances are in good hands, and you can focus on what matters most to you. So, why wait? Let us help you manage your money and pursue your financial goals!

Investing in education is undoubtedly one of the best decisions you can make for yourself or your children. But, figuring out the best way to save for higher education expenses can be challenging. We provide experienced advice on the three main types of college savings accounts - 529 college savings plans, Education Savings Accounts (ESAs), and custodial accounts - and help you choose the best tax-advantaged college savings plan for your goals. With a 529 plan, for example, you can compound tax-free contributions over time and enjoy tax-free distributions when the funds are used for eligible higher education expenses. We also provide guidance on alternative savings options like high-yield savings accounts, Roth IRAs, and brokerage accounts. We believe that with careful consideration of the pros and cons of the different types of college savings plans, you can find the right savings and investment strategy for your goals and make the best decision for your future.

At Bisdorf Palmer, we understand the importance of managing risks in the investment world. Our comprehensive risk management services are designed to help you navigate the uncertainties of investing. Our team of professionals will work with you to identify potential risks, evaluate their impact, and develop customized solutions to mitigate them. We offer a wide range of risk management strategies, such as avoidance, retention, sharing, transferring, and loss prevention and reduction, to help you meet your objectives and risk tolerance. Our diligent approach to risk management will help reduce the chance of losses while ensuring that your financial goals are met. We believe that understanding the opportunities, trade-offs, and costs of different investment approaches is crucial to making informed decisions. That's why we take the time to educate our clients about the risks and rewards of investing, helping them achieve their target returns by taking on the necessary market risk for growth while monitoring and managing that risk along the way. Partner with Bisdorf Palmer to ensure that your investments are managed in the most efficient and effective way possible. Our risk management services will give you the tools you need to invest with confidence. With our experience on your side, you can be confident that your investments are in good hands.

We provide personalized financial advice that helps you pursue your goals. Our financial advisors use their knowledge and experience to construct custom financial plans that include investments, savings, budget, insurance, and tax strategies. We offer various services to cater to your specific financial needs, including investment advising, debt management, budget assistance, college savings preparation, retirement planning, estate planning, long-term healthcare, insurance assistance, and tax planning. We understand that everyone's financial situation is unique, which is why we work with you to get a complete picture of your assets, liabilities, income, and expenses and create a comprehensive financial plan that serves as a roadmap for your financial future. Our advisors provide regular monitoring to ensure that you stay on track to achieving your financial goals and make necessary changes as needed. We believe that everyone can benefit from the services of a financial advisor, and we strive to make our services available to all, regardless of net worth or income level. Our goal is to provide trustworthy investment advice and assist you in reaching your financial goals, such as investing in a college education fund.

Our business planning solutions are designed to help business owners achieve their goals and objectives with ease. We understand that running a business can be challenging, which is why we provide a comprehensive suite of services to help you manage and grow your company. Our team of professionals works with you to develop a customized plan that meets your specific goals and objectives, ensuring you receive the best possible support and advice. Our solutions include a financial plan that provides a clear picture of your business's financial health, as well as comprehensive documentation of the inner workings of your business(es). We assess every aspect of your company through the prism of your vision for growth and exit, and work with you to establish or assume an optimized business retirement plan, such as a 401(k). We also offer a program of education for plan participants and senior executives, ensuring that everyone is well-informed and equipped to make the best decisions for the company. Additionally, our coordinated and proactive strategy utilizes our family office partners to address your business objectives, ensuring that you receive the best possible support and advice. With our business planning solutions, you can be confident that your company is in good hands, and that we will work tirelessly to help you achieve your goals. Whether you're just starting or looking to take your business to the next level, we have the experience and resources to help you succeed.

Our comprehensive financial planning services are designed to help you achieve your long-term financial goals by managing your money effectively. We understand that financial planning can be overwhelming, but our team of experienced financial planners has the knowledge and experience to guide you through the process. We advise and assist clients on a variety of matters, from investing and saving for retirement to funding a college education or a new business while preserving wealth. Our holistic approach considers your overall well-being and the financial implications of family, career, education, and physical health. We are proud to be committed to the 'Code of Ethics and Standards of Conduct' put forth by the CFP Board and encourage all advisors to acquire the Certified Financial Planner (CFP®) designation. As fiduciary asset managers, we are legally bound to act in your best interests and provide full transparency when making recommendations and disclosing how we are compensated. Whether you need assistance with budgeting, investing, saving for retirement, tax planning, or insurance coverage, we offer financial planning services for a flat fee, and you can rest assured that our recommendations will always be in your best interest. If you're ready to achieve your long-term financial goals, we're here to help. Contact us today to schedule a consultation with one of our experienced financial planners.

We understand that navigating the complexities of the tax system can be overwhelming. That's why we're here to help you analyze your financial situation and create a customized tax plan that ensures all elements work together to allow you to pay the lowest taxes possible. Our professional team will work with you and your tax professional to maximize your retirement contributions, make tax deductions, and take advantage of tax credits to reduce your tax liability. We know that tax planning is crucial to your financial plan, and we're committed to collaborating with CPAs to create a tax-efficient plan that fits your unique needs. We also offer tax-loss harvesting to help you offset your capital gains and reduce your tax liability. Our goal is to help you achieve financial success by reducing your tax burden and maximizing your retirement savings. Contact us today to learn more about how we can help you with your tax planning strategies. Commonwealth Financial Network does not provide legal or tax advice. You should consult a legal or tax professional regarding your individual situation.

Our estate planning services provide peace of mind, knowing that your assets and liabilities will be managed and distributed according to your wishes. No matter your net worth, estate planning is essential for anyone who wants to ensure their loved ones are cared for after passing away. Working with your attorney or one in our network, we will guide you through the estate planning process, which includes tasks such as making a will, setting up trusts, creating charitable donations to limit estate taxes, and updating beneficiaries and account registrations. We'll help you establish a guardian for living dependents and name an executor of the estate to oversee the terms of the will. With our comprehensive approach to estate planning, you can rest assured that all your assets, including your house, car, stocks, artwork, life insurance, pensions, and debt, will be taken care of. We offer various strategies to limit taxes on an estate, from creating trusts to making charitable donations. Contact us today to start planning for your future and protecting your legacy. Our Registered Investment Advisor, Commonwealth Financial Network, does not provide legal or tax advice. You should consult a legal or tax professional regarding your individual situation.

As you're planning for your future, it's important to consider the unexpected. Our insurance planning service is here to help provide you and your loved ones with a safer and more secure future. We understand that insurance policies can be complex and overwhelming, which is why our team of knowledgeable agents is here to help. Insurance can provide financial protection and reimbursement against losses resulting from a variety of situations, such as long-term care, disability, and even death. Our agents will work with you to find the right level of coverage to fit your unique needs and budget. We can introduce you to insurance advisors within our network if we uncover liability exposures we don't cover such as car accidents, home damage, or medical bills. We take pride in our commitment to personalized service and attention to detail. We understand that every client's needs differ, and we strive to find the best policy that fits your requirements. Don't wait until it's too late to protect your family and assets. Contact us to schedule an appointment with one of our expert agents today and take the first step towards a safer and more secure future.

Secure your financial future with our comprehensive annuity planning services. We understand that planning for retirement can be complex and overwhelming, which is why we offer a range of fixed, variable, and indexed annuities to provide you with a guaranteed income stream during your retirement years. We use annuity products from the leading carriers in the industry designed to help you address the risk of outliving your savings, giving you confidence and financial security. Our team of experienced professionals will guide you through the process of selecting the best annuity to meet your unique needs. We offer comprehensive insights into the different types of annuities available and personalized recommendations based on your specific financial goals. With our annuity planning services, you can be confident that you'll receive a steady cash flow for the rest of your life, without fear of running out of assets. At Bisdorf Palmer, we believe in transparency and explain all the costs and benefits associated with different types of annuities. We also offer flexible payment options so that you can make monthly premium payments or lump-sum payments, depending on your preference. Don't leave your retirement planning to chance. Contact us today to learn more about how our annuity planning services can help you secure a stable, guaranteed retirement income. Our team of professionals is always available to answer your questions and help you make the best financial decisions for your future.