Our APPROach
Planning Approach
Having a financial plan is like having a roadmap.
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It guides you to your goals and destination faster. That’s where we enter. We build financial roadmaps to help navigate a wide variety of obstacles, which can help you save time, reduce stress, and lead to a more successful outcome.
​Below is a bird's-eye view of how we'd partner with you during the first-year of Financial Planning. We'll go through several modules, each one building on the previous topics addressed. ​
Pre-Module
Data gathering checklist provided, financial documents uploaded by client, and advisor analysis
Discovery
Clarifying questions asked and financial goals exercise completed
Income, Expenses, & Cash Flows
Household balance sheet constructed and cash flow projections made
Investments
Current asset allocation reviewed and target allocation established
Retirement Analysis & Education Planning
Withdrawal rate assessment and “What-if” scenario analysis
Tax Planning
Tax return analysis and strategies proposed
Risk Management
Employee benefits review and insurance gap assessment
Estate Planning
Review existing documents, such as wills, trusts, and POA’s; discuss blind spots and ways to address them
Investment Approach
We build diversified portfolios that are either U.S.-focused or more commonly, have allocations to both U.S. and international asset classes.
We utilize low-cost exchange traded funds (ETFs) to gain broad exposure to the market.
We monitor and rebalance your portfolio to ensure an allocation that’s in-line with your risk tolerance.
We focus on tax-efficient investing, which can include tax-loss harvesting.
We strive to keep investment management fees low so that you can compound your wealth faster.
Avenue 90 Financial has selected Charles Schwab & Co., Inc. ("Schwab") as primary custodian for our clients’ accounts.
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As a registered broker-dealer and a member of the Securities Investor Protection Corporation (SIPC), Schwab is subject to certain regulations intended to protect assets held in brokerage accounts maintained at Schwab.
I'd like someone to manage the relationship between my accountant, banker, and estate attorney.
We'd like to identify an appropriate portfolio withdrawal strategy and have someone rebalance for us.
I'd like someone to review and provide advice around my stock options and deferred compensation plan.
​Tell us what’s on your mind, and we’ll identify the best way to help.
Contact us for a free 30-minute consultation
These materials have been independently produced by Avenue 90 Financial. Avenue 90 is independent of, and has no affiliation with, Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”). Schwab is a registered broker-dealer and member SIPC. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them.
Avenue 90 provides you with investment advice, while Schwab maintains custody of your assets in a brokerage account and will effect transactions for your account on our instruction.