At Bridge To Wealth we provide full scale financial planning for our clients. Financial planning takes a deep look into your financial health and advises you on how to achieve both short-term and long-term financial goals. Our financial planning professionals can help you with a variety of needs, including evaluating early debt payoff, practice finances, student loans, saving for education, and planning for retirement. Our financial planners develop valuable relationships with you and help provide peace of mind and confidence about the future.

When you decide to work with us, you are signing up for a personal CFO service. We will help you get organized and wrap your arms around your money and your finances. We work with clients and monitor their financial health using the Elements® Financial Planning Platform. We monitor your financial vital signs including your savings rate, your debt rate, your personal spending, and your tax rate. We will look at your Estate Planning, your Investment Portfolios, and the insurances that you currently have in place to help you make sound decisions. In addition, we work alongside Tooth and Coin CPAs to help maximize tax advantaged accounts whether those be in a company retirement plan like a 401k or through a Health Savings Account, Roth IRAs or Education Savings Accounts. For dental practice owners we are able to help evaluate profitability and cash flow and identify opportunities for your business to become more profitable. As you navigate the different ways that money touches your life, we will be with you every step of the way. Regulations are constantly changing and we will serve as a second set of eyes so that we can continue to help you stick to your overall financial plan.

Part of our service offering includes managing your money through investment management. We realize that it can be overwhelming to understand the ins and outs of investment strategies. One popular strategy is to attempt to “time the market” and anticipate market fluctuations and make changes accordingly. The financial news tends to portray this as a winning strategy. Timing the market correctly or attempting to predict how the economy will affect the market is immensely difficult to get right, and when you get it wrong it wreaks havoc on your overall returns.

At Bridge To Wealth, we ride the market highs and market lows with discipline. By using Dollar Cost Averaging, or investing regularly, our buys are averaged out among the highs and lows of the overall market. We seek out opportunities throughout the year to take advantage of market fluctuations and use the strategy of Tax Loss Harvesting on your nontax advantaged accounts. By utilizing Tax Loss Harvesting there are some losses we are able to deduct from your taxable income up to certain limits.

Through our custodian, Charles Schwab, we will assist you in opening the right types of accounts and set regular schedules for investing. In our onboarding process and throughout our time together we will work as a team to discuss what portfolio suits you best. We will take into consideration both your tolerance for risk and your time horizon. We will help ensure that you have the proper asset allocation and diversification.

When it comes to Investment Management we do the heavy lifting for you. Our model portfolios are designed to be low cost and broad based investments that will allow you to own the global market.

One additional service offering we provide is assistance with Company Retirement Plans to maximize your tax savings and tax strategies. Should you utilize an IRA? Or a Roth IRA? How about a SIMPLE IRA or a 401k? Do you qualify for a SEP IRA? Which one should you choose?

Throughout our time working together one area of focus is that we can help with company retirement plans. We work with a number of 401 k Platforms that provide TPA Services and integration with your payroll provider. Our Retirement Services include plan design and selection, employee education, investment recommendations, benefit maximization, and annual plan design recommendations.