Financial Synergies Wealth Advisors, CERTIFIED FINANCIAL PLANNER™ Certificant, CFS, ChFC®, CDFA
Financial Synergies Wealth Advisors, Inc.

Financial Advice & Consulting

We provide ongoing financial advice and consulting on many different topics. This can include anything from buying your first home, to extensive retirement planning. You can meet with us in-person, by phone, or online, as much as you need. It’s all part of our overall services. All of our advisors are Certified Financial Planner™ professionals.

Financial Planning for Individuals

We provide comprehensive financial planning services for individuals and families. We can help you plan for short-term goals, like buying a new home, and long- term goals, like retirement. We take a holistic approach to planning by incorporating all aspects of your financial life. We’ll get to know you and what your goals are. Then, together, we’ll create a dynamic financial plan that evolves with your ever- changing life. All of our advisors are Certified Financial Planner™ professionals. We’ll keep you on track every step of the way!

Financial Planning for Businesses

We provide comprehensive financial planning services for businesses. We can help you tackle all your business planning needs, such as business investment management, company retirement plans, cash accounts, and insurance.

Financial Advice & Consulting

We provide ongoing financial advice and consulting on many different topics. This can include anything from buying your first home, to extensive retirement planning. You can meet with us in-person, by phone, or online, as much as you need. It’s all part of our overall services. All of our advisors are Certified Financial Planner™ professionals.

Financial Planning for Individuals

We provide comprehensive financial planning services for individuals and families. We can help you plan for short-term goals, like buying a new home, and long- term goals, like retirement. We take a holistic approach to planning by incorporating all aspects of your financial life. We’ll get to know you and what your goals are. Then, together, we’ll create a dynamic financial plan that evolves with your ever- changing life. All of our advisors are Certified Financial Planner™ professionals. We’ll keep you on track every step of the way!

Financial Planning for Businesses

We provide comprehensive financial planning services for businesses. We can help you tackle all your business planning needs, such as business investment management, company retirement plans, cash accounts, and insurance.

Portfolio Management

We build global portfolios that include stocks, bonds, and where appropriate, real estate and commodities. By diversifying across many different asset classes we’ll help you balance the relationship between risk and return to ensure your long-term wealth goals will be achieved. We are strategic, long-term investors, and do not engage in market timing or forecasting. We’ve extensively researched each asset class used in our portfolios, so we understand what to expect and the purpose each serves in a diversified investment allocation. As a client of Financial Synergies, we’ll create a custom investment portfolio to suit your unique goals. Once your investment plan is implemented we’ll monitor the portfolio on a daily basis to make sure your assets are performing according to your long-term plan. We’ll rebalance, make adjustments, and provide tax-loss harvesting as necessary, so you never have to worry about your investments. What’s more, we help you understand the evidence behind it all, helping you feel even more confident in the decisions we make together to best safeguard your financial future.

Retirement Planning

We provide comprehensive retirement planning services for individuals and families. We take a holistic approach to planning by incorporating all aspects of your financial life. We’ll get to know you and what your goals are. Then, together, we’ll create a dynamic retirement plan that evolves with your ever-changing life. The plan will include a Monte Carlo (retirement success probability) analysis. All of our advisors are Certified Financial Planner™ professionals.

401K Rollovers

We have extensive experience with 401K Plan Rollovers. We can advise you on the logistics of the rollover, your rollover options, asset allocation, and ongoing management of the new Rollover IRA. All of our advisors are Certified Financial Planner™ professionals.

Insurance Planning

We can help you plan for all your insurance needs, including life, disability, and business insurance. This will all be addressed as we develop your financial plan and determine what your specific insurance needs are.

Annuities

We do not sell annuities, but we can help in determining if an annuity is appropriate for your situation. We can also provide “annuity rescue” services by assisting you in exiting a poor annuity product. Many times investors are placed in annuities without fully understanding the ramifications of the insurance contract of the annuity provider. In many cases we can help you strategically divest of the annuity without adverse consequences.

Estate Planning & Trusts

We can help you with many estate planning strategies, such as creating/updating wills, establishing trusts, charitable giving, etc. We’ll also coordinate with attorneys (when necessary) on advanced estate plans.

Tax Planning & Mitigation

We’ll create tax efficient investment portfolios to mitigate taxable gains, as well as, provide ongoing tax-loss harvesting to offset gains in the portfolio. We’ll also coordinate with your CPA to ensure we are kept abreast of your entire tax situation.

Education Funding & Planning

We have extensive experience in education planning, including the establishment of education savings vehicles, such as 529 college savings plans. All of our advisors are Certified Financial Planner™ professionals.

Investment Management & Advice

Our investment management philosophy is heavily influenced by the Nobel Prize-winning work of Harry Markowitz and Eugene Fama. We’ve developed a deep understanding of how to best capture the returns of the financial markets. Our approach is based on established facts and real evidence, not empty opinions or speculation. Investment recommendations based on historical, observable market behaviors and prices take emotion out of the equation, and ultimately leads to steadier, more predictable results over the long-term. We build global portfolios that include stocks, bonds, and where appropriate, real estate and commodities. By diversifying across many different asset classes we’ll help you balance the relationship between risk and return to ensure your long-term wealth goals will be achieved. We are strategic, long-term investors, and do not engage in market timing or forecasting. We’ve extensively researched each asset class used in our portfolios, so we understand what to expect and the purpose each serves in a diversified investment allocation. As a client of Financial Synergies, we’ll create a custom investment portfolio to suit your unique goals. Once your investment plan is implemented we’ll monitor the portfolio on a daily basis to make sure your assets are performing according to your long-term plan. We’ll rebalance, make adjustments, and provide tax-loss harvesting as necessary, so you never have to worry about your investments. What’s more, we help you understand the evidence behind it all, helping you feel even more confident in the decisions we make together to best safeguard your financial future.

Wealth Management

We understand that financial management extends far beyond just handling your assets, and we’re with you every step of the way. You deserve a financial advisor who understands your entire picture to ensure you’ll receive prudent, well- rounded advice. This is why we take a holistic approach, and combine financial planning and investment management to provide total wealth management for our clients. Our Certified Financial Planner™ professionals will develop a customized plan to guide you through the maze of today’s financial landscape, and you will not be left alone to put the plan into action. Your dedicated financial advisor will always be there to keep you on track. Of course, no financial plan is complete without the means to grow and manage your assets sufficiently to meet your goals. Our investment team will construct and manage your investment portfolio to ensure your assets provide the future you desire. As a wealth management firm, we also have affiliations with various firms that can assist with tax planning, estate planning, insurance needs, and more. This enables us to help you with complex financial needs.

Risk management

Professional investment management is not just about maximizing return, it’s also about reducing risk. We manage risk by creating globally diversified portfolios of non- correlated assets, including stocks, bonds, real estate, and commodities. We will use bonds to dial down the risk as much as required to meet our clients’ risk-return objectives. We have clients that are very aggressive and willing to accept more volatility in exchange for higher returns. But we also have clients who want a much steadier ride, and do not require high returns to meet their goals. We’ll help you determine what is most appropriate for your situation.

Money Management

Our investment management philosophy is heavily influenced by the Nobel Prize-winning work of Harry Markowitz and Eugene Fama. We've developed a deep understanding of how to best capture the returns of the financial markets. Our approach is based on established facts and real evidence, not empty opinions or speculation. Investment recommendations based on historical, observable market behaviors and prices take emotion out of the equation, and ultimately leads to steadier, more predictable results over the long-term. We build global portfolios that include stocks, bonds, and where appropriate, real estate and commodities. By diversifying across many different asset classes well help you balance the relationship between risk and return to ensure your long-term wealth goals will be achieved. We are strategic, long-term investors, and do not engage in market timing or forecasting. Weve extensively researched each asset class used in our portfolios, so we understand what to expect and the purpose each serves in a diversified investment allocation. As a client of Financial Synergies, well create a custom investment portfolio to suit your unique goals. Once your investment plan is implemented well monitor the portfolio on a daily basis to make sure your assets are performing according to your long-term plan. Well rebalance, make adjustments, and provide tax-loss harvesting as necessary, so you never have to worry about your investments. Whats more, we help you understand the evidence behind it all, helping you feel even more confident in the decisions we make together to best safeguard your financial future.