WHAT FINANCIAL PLANNING MAKES POSSIBLE
Financial planning isn't really about money. It's about what money makes possible.
It's about feeling confident enough to retire when you're ready, say yes to experiences with family and friends, help the people you care about, and spend less time worrying about whether you're making the right financial decisions.
At Highwater, we help bring clarity to the questions and decisions that naturally arise throughout life. We want our clients to feel organized, informed, and comfortable knowing they have a team looking out for them. When the financial pieces are working together, it creates something much more valuable than a portfolio: the freedom to focus on living your life and enjoying the people and moments that matter most.
PLANS BUILT AROUND RELATIONSHIPS
We help individuals and families who want a trusted relationship, not just financial advice. Whether you're planning for retirement, experiencing a major life event, managing inherited wealth, or looking to create a lasting legacy, we take the time to understand your unique goals and provide personalized guidance every step of the way. By listening first, connecting the pieces, and creating a thoughtful plan, we help you move forward with confidence.
Financial Check: We develop and maintain a secure record of your assets/liabilities and help you prioritize your financial opportunities.
Cashflow / Budget: We provide a written statement of how much you can expect to save/spend before or in retirement and the budget that would sustain it.
Investment Plan: We strive to find the comfortable balance between portfolio return, volatility and your risk tolerance.
College: We help you determine where to start with saving for college, available college savings options and how to avoid possible shortfalls.
Retirement: Together with you, we create a roadmap designed to keep you on track for retirement and gradually scale down portfolio risk to create a lifetime income.
Legacy: We advise you on continuity of your family’s financial/charitable plan through generations and support your surviving spouse/beneficiaries with their evolving needs.
Marriage / Divorce: We guide you through financial ramifications of life events and help you thoroughly prepare for them.
Job Changes: We explain the options you have while making the transition to your new job/career and help you select new company retirement plan/benefits.
Start / Sell Business: We council you on how best to address both sides of your business’s balance sheet, when to exercise stock options or create a succession plan.
Tax Efficiency: We identify and apply solutions in portfolio structure and tax loss harvesting to take full advantage of tax law provisions.
Tax Savings: We introduce concepts that help mitigate high tax liability during peak earning years and estate planning techniques that have tax benefits.
CPA Collaboration: We bring in tax and legal advisors to guide you in areas of your life plan that you may not have considered and that may be beneficial to you.
Steward Partners, its affiliates, and Steward Partners Wealth Managers do not provide tax or legal advice. You should consult with your tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Risk Mitigation: At each meeting, we discuss your comfort level with investment risk and determine the risk profile of your portfolio in order to keep them aligned.
Insurance Review: We identify, and address, the blind spots in your protection plan against the loss of earned income, assets, spouse, health, and personal liability.
Fraud Protection: We have an ongoing personal contact with clients (especially elderly ones) to guard against financial fraud, identify theft, scams, and financial exploitation.
Environmental & Social Portfolios: We present you with a select number of solutions to make a positive impact on the society and environment while achieving financial growth.
Impact Investing: We analyze the companies and actively managed portfolios which score highly on ESG criteria. This selective investment process is hard to duplicate in passive index strategies.
The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware/Socially Responsible Investing (“SRI”)/Sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG/SRI/Sustainable investments criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
Financial Check: We develop and maintain a secure record of your assets/liabilities and help you prioritize your financial opportunities.
Cashflow / Budget: We provide a written statement of how much you can expect to save/spend before or in retirement and the budget that would sustain it.
Investment Plan: We strive to find the comfortable balance between portfolio return, volatility and your risk tolerance.
College: We help you determine where to start with saving for college, available college savings options and how to avoid possible shortfalls.
Retirement: Together with you, we create a roadmap designed to keep you on track for retirement and gradually scale down portfolio risk to create a lifetime income.
Legacy: We advise you on continuity of your family’s financial/charitable plan through generations and support your surviving spouse/beneficiaries with their evolving needs.
Marriage / Divorce: We guide you through financial ramifications of life events and help you thoroughly prepare for them.
Job Changes: We explain the options you have while making the transition to your new job/career and help you select new company retirement plan/benefits.
Start / Sell Business: We council you on how best to address both sides of your business’s balance sheet, when to exercise stock options or create a succession plan.
Tax Efficiency: We identify and apply solutions in portfolio structure and tax loss harvesting to take full advantage of tax law provisions.
Tax Savings: We introduce concepts that help mitigate high tax liability during peak earning years and estate planning techniques that have tax benefits.
CPA Collaboration: We bring in tax and legal advisors to guide you in areas of your life plan that you may not have considered and that may be beneficial to you.
Steward Partners, its affiliates, and Steward Partners Wealth Managers do not provide tax or legal advice. You should consult with your tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Risk Mitigation: At each meeting, we discuss your comfort level with investment risk and determine the risk profile of your portfolio in order to keep them aligned.
Insurance Review: We identify, and address, the blind spots in your protection plan against the loss of earned income, assets, spouse, health, and personal liability.
Fraud Protection: We have an ongoing personal contact with clients (especially elderly ones) to guard against financial fraud, identify theft, scams, and financial exploitation.
Environmental & Social Portfolios: We present you with a select number of solutions to make a positive impact on the society and environment while achieving financial growth.
Impact Investing: We analyze the companies and actively managed portfolios which score highly on ESG criteria. This selective investment process is hard to duplicate in passive index strategies.
The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware/Socially Responsible Investing (“SRI”)/Sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG/SRI/Sustainable investments criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
