Our Process

At Coltiva Wealth, we partner with our clients to help them accumulate, enjoy, and preserve their wealth. We have built a thorough and comprehensive process to help our clients fully achieve all their financial goals and dreams. As trusted fiduciaries, we establish long-term partnerships to help our clients attain financial success.

 

Our process is all-encompassing, allowing us to advise on all aspects of your finances. The services we provide can be summarized in three categories: planning, wealth management and protection.

  • Income Planning
  • Wealth Management
  • Risk Management
  • Tax Planning
  • Philanthropy
  • Cash Management
  • Legacy Planning
  • Value-Added Services
  • Analysis of your current and future income needs to give confidence to cash flow investing decisions
  • Development and implementation of recommendations to meet your income needs
  • Retirement income stream “strategy sessions” with customized output
  • Recommendations regarding the best distribution strategy for your employer retirement plans and IRAs
  • Recommendations regarding appropriate strategy for Social Security payment options
  • Monte Carlo test analyzing thousands of scenarios to help optimize chances of attaining retirement goals

Over the past 20 years, technology has changed the landscape of Wealth Management. There are more investment options than ever and easier access to establish investment accounts. However, managing a portfolio has never been more complicated. In a fast-changing world were time is the scarcest commodity, our clients partner with us to help them establish portfolios that look beyond past performance. Rather, they rely on us to ensure their investments are in line with their goals, their loss-tolerance, and the objectives for those dollars.

  • Complimentary analysis of existing portfolio
  • Investment team with expertise to address your investment needs
  • Quarterly market recaps and performance review
  • Design and maintenance of a personalized portfolio appropriate to your needs
  • Recommendations regarding allocation and positioning of assets in retirement plans
  • Review of corporate stock option and employee stock purchase plans
  • Use of individual equities/bonds, ETFs, and institutional Mutual Funds with an emphasis on transparency and efficiency of cost
  • Partner with Institutional Money Managers to allow our clients access to top minds in the asset management industry*
  • Ongoing review of investments to help manage your risk
  • Faith based and socially conscious portfolio options

* Investment Advisory Services offered exclusively through HTK

The best laid plans can go awry if the proper protection mechanisms are not in place. For our plans and investments to thrive, we must be sure they are designed to work under all circumstances. Our expertise in protection planning reassures our clients that their goals can still be achieved if ‘life happens’ and they are affected by a lawsuit, disability, or premature death. By coordinating protection components with investment plans, our clients are better prepared to face the many levels of financial risk affecting their lives.

  • Comprehensive Protection Review including asset and income protection products
  • Life insurance to protect family and replace any needs from lost loved ones
  • Life insurance as a wealth transferring and liquidity tool in estate planning
  • Disability Insurance to protect your income from injury
  • Long Term Care Insurance to protect assets if you become incapacitated
  • Conservative growth vehicles to act as a volatility buffer in retirement in case of market uncertainty
  • Comprehensive personal policy audits
  • Strategies to minimize taxation on capital gains, estates and ordinary income
  • Free consultation with your tax preparer
  • Recommendations of tax solutions including tax advantaged investments
  • Planning for philanthropic endeavors that go beyond bequests upon death
  • Philanthropic solutions to ensure current and ongoing support of important causes
  • Unique charitable trust planning strategies
  • Member of G.I.V.E. – Financial professionals with the aspiration of redirecting $1 billion to charity
  • Establishing appropriate cash minimum and maximum levels to ensure appropriate reserves
  • Recommendation of cash and cash alternative vehicles
  • Manage cash flow from assets as part of retirement income strategy
  • Access to portfolio backed lines of credit
  • Analysis of assets and how they work in your current estate plan
  • Free consultation with your estate planning attorney
  • Assistance in transferring assets to your living trust
  • Guidance with the appropriate and necessary steps in the event of the death of a loved one
  • Legacy planning strategies
  • Secure Personal Financial Portal
  • Access to the portal for friends and family
  • Acting as a sounding board to you for all questions
  • Acting as a sounding board for family, friends and those you care about
  • Initial consultation/review for family and friends
  • Quarterly wine tasting events
  • Annual client appreciation event