ALIGN360™ WEALTH MANAGEMENT
Wealth management that goes beyond your investments.
We manage your investments and plan everything around them, including taxes, retirement income, company stock, and your estate, so each decision supports the life you want.
Why investment management alone isn’t enough
Some of the most expensive financial mistakes happen outside your portfolio. Selling company stock in the wrong tax year. Missing an opportunity for a Roth conversion. Donating cash when appreciated investments could offer a greater tax benefit.
These decisions are connected, but they’re often handled separately. Align360™ brings them into one coordinated financial strategy, so opportunities are easier to spot and important details are less likely to fall through the cracks.
HOW IT WORKS
Two phases, one plan.
Your Wealth Blueprint
Every relationship starts with your Wealth Blueprint™, the plan we build together when you onboard. It covers seven areas.
- Your snapshot. Your goals, net worth, and accounts today.
- Income planning. Where your income will come from, now and later.
- Spending plan. How much you can spend while staying on track.
- Investments. How your money is invested and why.
- Tax planning. Ways to lower your taxes over time.
- Insurance and estate. Protecting you and the people you care about.
- Action plan. What we do next and when.
You receive a written plan and a client dashboard. We often start acting on parts of the plan before it’s finished, because some decisions have deadlines.
Your wealth in motion
A long-term partnership that keeps your plan current as your life changes.
Once your plan is built, we meet twice a year, in the spring and the fall. In between, we plan around the dates that affect your money, like equity vest dates, tax deadlines, open enrollment, and year-end planning.
Common decisions we help with include Roth conversions, selling vested RSUs, the mega backdoor Roth, and which accounts to draw from first in retirement.
Investment management
- Portfolio management
Diversified portfolios built around your goals and your comfort with risk. - Tax-aware investing
Tax-loss harvesting, tax-smart rebalancing, and holding each investment in the right type of account. - Monitoring and rebalancing
We keep your portfolio in line with your plan as markets and your life change. - Company stock
A plan for your RSUs and stock options that fits your taxes and your comfort with risk.
Ongoing planning
- Spring and fall reviews
We check your progress and update your plan. - Retirement income
When you can retire and where your income will come from. - Charitable giving
Tax-smart ways to give, like donor-advised funds or giving appreciated investments. - Tax planning
We plan ahead for taxes and work with your CPA. - Big decisions
Buying a home, changing jobs, or taking time off. - Your other professionals
We coordinate with your CPA and estate attorney.
Between meetings
- Email and phone
Questions go straight to our team. - Reminders
So the items on your plan get done on time. - Client resources
Educational tools and updates for clients.
COMMON QUESTIONS
Wealth management FAQ
What does wealth management for women include at Align?
Align360™ Wealth Management brings investment management, financial planning, and year-round tax planning together in one long-term partnership. It covers retirement income and Social Security timing, company stock decisions, insurance, and estate planning with your attorney. It starts with your Wealth Blueprint™ and continues with reviews every spring and fall.
How is wealth management different from investment management?
Investment management is choosing and managing your portfolio. Wealth management includes that, plus the planning around it, like taxes, cash flow, company stock, insurance, and your estate.
Do I need $1 million for you to manage my money?
No, we don’t have an asset minimum. Many of the women we work with have saved diligently over the years and want to make the most of it. On your Align Call, we talk about your situation and the help you need, so you can decide whether Align is the right advice team for you. See how to get started.
Do you help with equity compensation like RSUs?
Yes. RSUs, stock options, and ESPPs are part of your plan. We help you decide when to sell or exercise based on your taxes, your trading windows, and how much of your money is in one company’s stock.
How is a fee-only wealth manager different from a bank or brokerage advisor?
A fee-only advisor is paid only by clients and has no products to sell. Advisors at banks and brokerages may earn commissions and may not be required to act as a fiduciary for every recommendation. Before you hire anyone, ask how they’re paid and whether they’re a fiduciary 100% of the time, in writing. We are fee-only advisors, paid only by our clients, and fiduciary 100% of the time.
Let’s build something aligned, together.
You’ve worked hard and saved. Now it’s about making it work for the life you want, with one team looking at all of it. Book a 15-minute Align Call to talk through where you are and whether Align is the right advice team for you.