Our Approach
How Boardwalk Capital works with you
Everything flows from your Detailed Financial Plan. The steps below outline just a few of the actions we take to create this plan and to comprenehsively manage your wealth.
- PROFILE: Through discussions and a range of questionnaires, we initially seek to gain a deep understanding of your goals, objectives, and your tolerance for market volatility.
- ADVISE: Advising you on savings strategies and employing techniques to minimize taxes along the way. Helping you avoid so-called tax "torpedoes" that can raise Medicare premiums and taxes on Social Security payments.
- TRUST: Ensuring that your assets easily pass to your heirs, avoiding frozen bank accounts, probate, courts and lawyers. Helping you create revocable trust accounts, as needed.
- PLAN: Planning for Social Security claiming strategies, evaluating long-term care insurance, and considering if lifetime income vehicles are a fit for your needs. We advise you beyond just your investments.
- DISCOVER: Helping you to uncover and refine any social objectives you may have and creating unique strategies to meet them.
- TEST: "Stress testing" your plans under dire scenarios to make sure they can stand up to inevitable market and economic challenges.
- IMPLEMENT: Revising your plan until it fits your needs, ultimately putting your plan into action, executing trades, monitoring results, and revising again, as needed.
- MANAGE: Creating a strategic sequencing plan for distributions from your various accounts in retirement to minimize taxes, and planning ahead with Roth conversions.
"Grading" your plan. Does it get a "90%" score? In this process, you will see just how robust your plan is -- thanks to 1000+ Monte Carlo simulations that show the percentage chance you plan has of achieving your goals. Not high enough for your comfort? We model techniques, strategies and asset types that could improve those chances.
It's not what you make, it's what you keep. An investor's true return is their after-tax, after inflation, net-of-fees return. So, we work to keep costs and taxes low, only recognizing capital gains when we believe a new idea can do better net of taxes. The avoidance of "tax torpedoes" will pay for our services for decades.
We care about asset location as well as asset allocation, using tax favored accounts (both traditional IRAs and Roth IRAs) for strategies that are more likely to generate short-term capital gains. For your taxable accouts, we build highly tax-efficient portfolios that will compound wealth over time while continuing to defer taxes.
Meeting your financial goals in a way that fits you.