At Coltiva Wealth, we partner with successful individuals and families who want to remove anxiety when making important financial decisions. We have built a thorough and comprehensive process focused on creating sustainable retirement income, helping 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, The Path to Prosperity, is all-encompassing and allows us to advise on all aspects of your finances. While many of our peers focus solely on wealth management, our clients receive additional value in the form or our firm’s eight pillars.

  • Income Planning
  • Wealth Management
  • Risk Management
  • Tax Planning
  • Philanthropy
  • Cash Management
  • Legacy Planning
  • Value-Added Services

We are passionate about helping you  navigate the stressful juncture at which you must rely upon investments for income.  At this point, you will no longer be able to out-earn your problems and must rely upon your life savings to sustain you, maybe for decades. We have developed and refined a process to help you look to your retirement income plan with anticipation instead of apprehension.

  • Complimentary analysis of existing portfolio
  • Investment team with expertise to address your investment needs
  • Quarterly market updates and performance review
  • Design and maintenance of a personalized portfolio tailored to your needs
  • Recommendations regarding ongoing 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
  • Ongoing review of investments to help manage your risk
  • Faith based and socially conscious portfolio options are available

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

Taxation is one of the foremost eroding factors of wealth. Maximizing wealth requires thoughtful consideration and integration with tax planning professionals.

  • 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

Strategic philanthropy can allow your wealth to have a meaningful impact while creating tax benefits for you.

  • 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

Proper cash management is key to a comprehensive financial plan. We will help you determine the appropriate amount of cash to provide protection and be ready for opportunities.

  • 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

Integrating your estate planning into your financial plan allows you to control the destination of your assets after you are gone and ensure the financial legacy you desire.

  • 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

Our client service processes are designed to consistently provide value to our clients in a variety of ways above simply managing their assets.

  • 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