Who We Help

Many families are faced with a myriad of financial issues that can be difficult to solve without guidance from a professional advisor.

Our clients come from all stages of life each facing different financial challenges.

Understanding your unique situation helps us customize our advice and guidance.

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Here are some common questions we here from our clients. Do you have similar concerns?

Parents

Roche can advise you in planning for future needs to fund your child’s education including how much to fund as parents, future value needed, amount to be saved annually, and 529 plans for tax-free contributions.

A living will is important to put in place as a parent and Roche can help you do so. Your risk tolerance may change as your life changes, including when you have children.

By assessing your needs and comfort level, we will adjust your portfolio accordingly.

Retirement

Roche will review your anticipated income needs in retirement, to ensure that you are saving appropriately and to determine the appropriate time to retire.

Roche will prepare a comprehensive insurance analysis including a detailed recommendation of how much life
insurance is needed, what type of product to use, and where to get the best price.

Roche can help you evaluate your medical insurance options including Medicare and Medicaid, along with any
supplemental insurance needed.

Estate planning is critical to ensure that your accounts and assets are assigned to your family in a timely, tax efficient manner and according to your wishes

Roche will provide a comprehensive retirement plan including a detailed analysis of your current retirement picture, how to use your retirement  assets, how much to withdraw each month, and how long your assets will last in retirement. We will also discuss how to improve your retirement savings and  appropriate investments for your current assets.

Frustrated Client

When evaluating the service received from your current advisor, first consider any potential conflicts of interest. How is the advisor  compensated? Do they have incentive to sell you specific products for which they receive higher compensation? Are they motivated to grow your portfolio to increase their compensation? Next consider whether you and your advisor clearly understand your current financial situation, your financial goals, and the specific actions that both of you are taking to make them a reality. Have you seen measured progress towards your goals?

With respect to cost, be sure to consider all embedded costs to understand its impact to your net investment return. Your advisor should be able to clarify for you any costs impacting you from each of the following categories: management fees, planning fees, investment fees, mutual fund expense ratio, securities trading fees, taxes, and cash drag.

Business Owner

As a business owner, you have unique needs for estate planning. We will discuss your plans for bequeathing all assets including those associated with your business and incorporate them into your estate plan.

Roche will analyze the insurance that you have currently as well as your business structure to ensure that your personal liability is protected and insured.

It is important to reevaluate your risk tolerance in light of your entire financial situation, including ownership status of your business. Roche will discuss your goals, both short and long-term to then invest your new assets appropriately.

Market Watcher

Roche is up to date on all developments in the economy, financial markets, and changing regulation to understand any relevant impact on your financial situation. We will incorporate this into management of your wealth plan. For example, a tax law change necessitates a change in how your portfolio is managed to minimize your tax consequences or a change in social security dictates an update to your retirement plans. Roche sends a weekly economic and market update newsletter to our clients to keep you informed on the major news headlines. We are always available to discuss in more detail and will proactively contact you if there are any relevant developments that require you to take action.

Hands On Investor

Roche understands that every individual has a different experience level with investments and may require more or less advice accordingly. It is worthwhile to have professionals with the highest industry certifications and specialized education review your portfolio.

When evaluating investments such as the 401k options offered by your company, you need to honestly assess your risk appetite and carefully allocate and diversify your portfolio. Roche can help with your 401k plan and your preferences by recommending a suitable investment plan.

Be wary of “hot stock” recommendations. Without fully understanding and analyzing the specific investment security, its position within its sector, the outlook for that industry segment, and your overall asset allocation, investing based on this recommendation could put your portfolio at risk. We believe that allocating your assets among the various market sectors according to your needs and diversifying sufficiently is the best way to increase your returns. Studies show that investors chasing performance of a “hot stock” and trying to “time- the-market” have underperformed diversified portfolios over time.

Liquidity planning is an important part of managing your portfolio. If your cash flow is out of balance you could be building credit card debt at a high interest rate while you have investments earning at a lower rate. When establishing your wealth plan, we will evaluate your current financial situation including any liquidity needs that are not being met. By carefully balancing your income, expenses, and investments with your short and long- term liquidity needs we can solve your “cash flow crunch”.