Comprehensive Planning

Comprehensive Planning At Sard Wealth Management, we help you manage the interconnection among all areas of your financial life to provide a holistic plan.

We are fully licensed and experienced to assist you in the areas of Investment Planning, Retirement Income Planning, Insurance Planning, and Tax & Estate Planning. As securities representatives we do not give tax or legal advice. These matters should be discussed with your legal and tax advisors.

Investment Planning

As part of your overall financial plan, we provide guidance and management of your investment portfolio using stocks, bonds, mutual funds and exchange traded funds (ETFs). We will help you to:

  • Match investments with goals
  • Evaluate specific investments
  • Consider tax consequences
  • Determine your risk tolerance
  • Analyze and redesign your portfolio

Retirement Income Planning

How much do you need to save for retirement? How much do you need during retirement? How do you undertake a task that can seem so monumental and break it down into reachable steps? How does starting today make the task smaller? We will answer your questions and as part of your overall financial plan we will work with you to:

  • Help you retire in comfort
  • Determine retirement income needs
  • Determine appropriate retirement distribution strategy
  • Manage IRA rollovers and distributions

Insurance Planning

How do you make sense of all the confusing and conflicting claims about insurance products and annuities? How do you decide how much insurance is enough? We are fully-licensed to recommend life insurance, disability income insurance, long-term care insurance, annuities and other risk management strategies as part of your overall financial plan. We will assist you in:

  • Maintaining family income in the event of a disability or death
  • Identifying current and future risk exposure
  • Evaluating cost-effectiveness of current insurance coverage
  • Planning for long-term nursing care protection
  • Ongoing review and assessment of risk in your overall plan

Tax and Estate Planning

What can you do to help reduce taxes? How do you ensure that your investments and assets are properly distributed to your heirs? As part of your overall financial plan, we will help you to:

  • Maximize the use of tax deductions
  • Utilize tax-deferral strategies
  • Save taxes through appropriate investments
  • Identify heirs to receive assets
  • Minimize probate expenses and delays
  • Reduce or eliminate estate tax