What We Do
For Individuals
We manage more than just your money, we manage your wealth. Our holistic approach and process focus not only on your wealth, but also how you view and feel about your wealth. We develop a personalized financial strategy and offer a variety of services designed to address both the finances and emotions of our clients.
Financial Planning
Having a plan allows you to measure success against your goals rather than an arbitrary number.
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Cash Flow
Understanding that your cash flow today will help ensure you have the income you will need for the future.
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Insurance
Take care of what can go wrong so that you can afford the luxury of investing for what can go right.
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Investing
We aim to help you reach your goals by maximizing your after-tax returns, minimizing your expenses and eliminating as much risk as possible.
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Wealth Transfer
Your wealth doesn’t affect just you. It also impacts your family, your loved ones and those you leave behind.
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Financial Planning
Positioning your wealth so that you are confident in your financial future does not happen by accident. It takes a well thought out plan and someone to hold you to it. When creating your plan we:
- Define success according to you
- Help you articulate and understand your goals and perspective towards money
- Review and organize your financial life
- Align your financial decisions with your values and attitudes
- Development and implement your plan
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Cash Flow
One of the first steps in our process is to obtain a complete picture of your cash flow. Understanding and coordinating your income, protection, savings, taxes and debt structure is vital to most effectively positioning and growing your wealth. Some key areas we focus on are:
- Cash flow planning
- Tax planning and tax return review
- College funding
- Retirement planning
- Debt and liability analysis
- Debt repayment and restructuring
- Social security planning
- Pension maximization strategies
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Insurance
Risk management and asset protection play a vital role in a well-balanced financial plan. Our goal is to help you achieve success as defined by you. We also want to provide peace of mind that all along the way you and your balance sheet are prepared for both the expected and unexpected events that will occur. We provide solutions for:
- Life insurance
- Disability insurance
- Long term care insurance
- Home and auto insurance analysis
- Employee benefits analysis
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Investing
In theory, investing should be simple-you buy low and sell high. In reality however, most investors experience the exact opposite-they buy high and sell low. This “strategy” is a surefire way to run out of money. At Hudson Pendleton Financial Group, we apply research from the world’s leading economists to develop investment strategies that make sense for you at your given risk tolerance. By incorporating your personal goals and risk tolerance, we are able to develop a strategy that you will have the confidence to stick with even when the market turns volatile. Our asset management services include:
- Risk tolerance assessment
- Investment policy statement design
- Manager due diligence, selection and maintenance
- Asset allocation
- Tax managed portfolios
- Tax harvesting
- Retirement account management and analysis
- 401k and IRA rollovers and reviews
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Wealth Transfer
Whether you have a significant estate tax problem or simply want to leave a little something for your grandchild, your financial legacy can make an impact and is worth addressing. No matter the size of your estate, we will assist you in developing an estate plan that articulates your wishes, protects your family, minimizes your taxes and preserve your legacy for future generations. Our wealth transfer planning includes:
- Will and trust reviews
- Family planning coordination
- Special needs planning
- Estate planning, advising and review
- Inheritance management and planning
- Beneficiary designation review
- Gifting and philanthropy
- Estate tax review and minimization
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