TAKE CHARGE OF WHAT MATTERS

Put your money to work serving your family, your favorite causes, and the world in which you live. After all, isn’t that what’s most important to you? Our counsel, your decisions…we’re here to help you make choices that build your confidence and navigate and increasingly complex world.

Wealth Management

Wealth Management

We take pride in our ability to think independently and deliver unbiased, objective advice. As a result, we can provide you and your family with intelligent, customized wealth management services from experienced, knowledgeable, and dedicated advisors.

The key to our success in building strong relationships and dynamic wealth management solutions is collaboration — among ourselves, with outside experts in their fields, and, most importantly, with you. We’re more than advisors; we’re partners in your quest to find creative solutions that address your needs.

 

We take it one step at a time:

  • First, you’ll meet your personal advisor and support team, who will collaborate with you to review all of your information, from investments to tax returns to estate planning documents, so that we can understand where you stand today. A broader discussion around your personal goals will get us started.
  • Next, your team will analyze your current circumstances and suggest strategic recommendations to design your financial plan and investment strategy.
  • Lastly, you can always expect a high level of personal service. And because your journey is always changing, you can count on us to be there to adjust your wealth management strategies when circumstances demand it.
Financial Independence

Financial Independence

Whether you seek a traditional plan for retirement or are exploring other paths to financial independence, you and your family deserve to live the lives you’ve always envisioned.

We analyze your employer-sponsored retirement plans, Social Security, and pension options to help ensure you are getting the maximum benefit. We create a detailed roadmap – making sure to carefully consider future income, expenses, and taxes. Our goal is to give you confidence that you are making intelligent decisions today so that you can live life on your terms later.

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Tax Planning & Tax Return Preparation

TAX PLANNING & TAX RETURN PREPARATION

We take a strategic approach to tax planning, reviewing prior years’ tax returns and recommending strategies that are aligned with your financial plan.  We keep abreast of changing tax laws, continually seeking to take advantage of tax savings opportunities available to you and your family.

We even prepare tax returns for those clients who prefer that the tax planning and compliance functions are fully integrated.

Estate Planning

Estate Planning

You want the best for the people and causes that you care about. But without smart planning, a significant portion of your wealth could go to the government or unintended heirs. We can help ensure that your wealth passes as you intend. To accomplish this, we will:

  • Review your existing documents, including wills, trusts, powers of attorney, health care proxies, and others.
  • Recommend estate, gift, and charitable planning strategies and assist in communicating the plan to those who will be impacted.
  • Seek to minimize the tax impact of wealth transfer while maximizing the benefits to your chosen heirs or charities.

Our knowledgeable professionals are experienced at navigating the ins and outs of estate planning and incorporating the estate strategies needed to protect your wealth — or protect you, your children, and your grandchildren against potential pitfalls, such as divorce, dependency, or the inexperience of heirs.

Cash Flow Planning

Cash Flow Planning

When building your portfolio, you want the peace of mind of knowing that funds are available to pay for things like taxes, home expenses, your children’s education, and any unanticipated financial obligations.

We can help you budget for both short- and long-term expenditures. And if you’re about to retire, we’ll work with you and your family to find ways to maintain your lifestyle when you’re no longer working.

Philanthropic Planning

Philanthropic Planning

Do you and your family have a favorite charity or nonprofit organization that you’d like to make a meaningful part of your journey? Do you want to ensure that your giving is impactful? We strive to make it simple.

We can help you create a gifting or estate strategy through which your legacy will live on long after you’re gone. Working with your attorney, we’ll illustrate charitable gifting options and vehicles available to you — and take advantage of tax efficiencies when possible.

Risk Management

Risk Management

We know you’ve got enough on your plate without worrying about whether your wealth is at risk. That’s why we see protecting you from potential downside risk or liability as one of our most important goals.

We know that building wealth is a primary focus, but equally important is protecting your wealth. After analyzing your needs, we’ll review all your current policies for your various forms of insurance — life, disability, long-term care, property and casualty, excess liability, etc. — to help ensure you have the coverage you need.

We will work with your insurance agent to implement a risk management strategy that incorporates the risk factors applicable to you.

Education Planning

Education Planning

You recognize the value of education and the profound impact it can have on a life.  If one of your objectives is funding education, you know that doing so will be a significant expense. You need a smart plan that can help you cover the rapidly increasing cost of education.

Based on our knowledge of education-funding options, we’ll develop strategies and investment recommendations that help ensure that the people in your life get the education they need to succeed.

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Value-Added Services

Value-Added Services

Our holistic approach to building and preserving the wealth you’ve accumulated encompasses more than what you might expect from a wealth management firm. We have the resources and expertise to provide non-traditional services such as:

  • Estate settlement support
  • Executive benefit plan review, concentrated security position strategies, and option strategies
  • Liquidity event planning
  • Trustee services
  • Divorce and separation support
Investment Management Philosophy

Investment Management Philosophy

In developing your investment strategy, balance is paramount. Our team of experts will work to ensure that your personalized investment strategy balances the right mix of investments to meet your unique objectives.

We’re committed to designing investment portfolios that are diversified across asset classes.  While some firms rely solely on third-party managers, we have the ability to put together portfolios that, when appropriate, combine the strategies of other managers with our own proprietary strategies, striving to mitigate risk while giving you objective advice and potentially lowering fees.

We call this approach enhanced open architecture.

Our investment philosophy draws upon our substantial expertise and decades of collective experience that reflect four core principles:

  • Fundamental Focus — Using a research-intensive, bottom-up fundamental discipline, we carefully select your securities or managers.
  • Diversification — Evaluating your exposure to a broad range of investment classes aimed at enabling your portfolio to perform in a variety of market environments.
  • Strategic Asset Allocation — Striving to help you grow and protect your wealth through long-term, risk-adjusted returns, consistent with your goals and objectives.
  • Dynamic Asset Allocation — Our goal is to take advantage of current market trends and economic conditions by employing an opportunistic approach.

A clear philosophy, together with our enhanced open architecture platform, allows our team to develop an investment strategy that we believe is in our clients’ best interests.

Customized Investment Strategies

Customized Investment Strategies

We design investment portfolios that reflect your needs and circumstances, keeping your best interests in mind. To ensure your portfolio is truly your own, we work in collaboration with you to:

  • Identify your objectives.
  • Determine your risk tolerance.
  • Develop an appropriate asset allocation strategy.

We also consider the effect that global macroeconomic events might have on your portfolio. And for your taxable accounts, we design portfolios with the goal of maximizing your after-tax returns.

We deploy a rigorous yet flexible process to design customized investment portfolios, keeping your best interests in mind.  Our Investment Committee, comprised of investment professionals and financial advisors, convenes regularly to set the course for our strategic portfolios recommendations. The Committee works with multiple sub-committees comprised of investment experts with a deep knowledge of particular asset classes – from equities to fixed income to alternatives.  Your advisor and one of our portfolio managers then take your set of circumstances into account to devise your customized portfolio and then implement, monitor and adjust it as needed.

We believe the process gives you the best of all worlds – deep investment expertise, access to a broad range of proprietary and third-party investment solutions, and an understanding of your specific circumstances.

Proprietary Equity Portfolios

Proprietary Equity Portfolios

The Colony Group has an extensive investment management team dedicated to research, analysis, and portfolio management.  While some other advisory firms essentially outsource the asset management function, we view this as an important function to keep in house in order to help us in delivering value to our clients.

The equity investment management team focuses on companies poised to deliver growth over time and works with the intention of holding stocks for longer periods of time. This approach may lead to lower turnover rates and potential opportunities to deliver attractive after-tax returns. At the same time, the team pays close attention to valuation and will sell when stocks appear fully valued based on a risk/reward analysis.

The team meets several times a week to discuss market and sector outlooks, as well as its latest thinking on individual securities. If your portfolio needs adjusting, our team will work to do it quickly and efficiently.

Proprietary Fixed Income Portfolios

Proprietary Fixed Income Portfolios

We believe that you need a well-defined, disciplined investment process in order to deliver steady returns over time. That’s where fixed income investments come in. We utilize fixed income to:

  • Maximize total return while minimizing risk
  • Reduce overall portfolio volatility
  • Preserve capital
  • Produce income
  • Provide tax-efficient yields
  • Provide liquidity

Both taxable and tax-free fixed income portfolios seek to enhance expected returns and reduce overall portfolio risk. We look for relatively conservative investments to provide stable income and wealth preservation, and we base our fixed income selection on factors such as liquidity, credit quality, call risk, event risk, and issue size. We seek to vary the maturity rate of your fixed income investments and manage the interest-rate sensitivity. Our tax-free fixed income portfolios are structured to earn income free from federal and state income tax, no matter your age.

We actively manage the risk within each of its fixed income portfolios using a time-structured approach, making tactical changes when necessary and diversifying the portfolios based on maturity, industry, credit exposure, and interest-rate risk.

Mutual Funds/ETF Portfolios & Separate Account Managers

Mutual Funds/ETF Portfolios & Separate Account Managers

Drawing on our expertise in identifying global market and industry trends, we design portfolios of no-load mutual funds and ETFs and also work with separate account managers to design portfolios structured to meet client needs.  For smaller accounts, these investments can provide excellent opportunities for greater diversification.  Larger accounts may also utilize mutual funds or separate account strategies either as a complement to their core portfolio or to gain exposure in more specialized segments of the market.

Alternative Investments & Private Strategies

Alternative Investments & Private Strategies

We also offer access to — and advice concerning — alternative investment vehicles, including mutual funds and private investment funds. Your personal team of counselors will help you consider whether these investments may be right for you. Some of the alternative investment areas in which we invest for our clients include:

  • Real estate
  • Long-short equities
  • Distressed credit
  • Commodities
  • Opportunistic arbitrage strategies
  • Global macro strategies
Tax-Sensitive Solutions for Concentrated Positions

Reporting & Updates

Concentrated stock positions can raise complex planning issues involving taxation, estate planning, diversification, and even compliance with securities law. At The Colony Group, we’ll recommend practical strategies and customized solutions to address these issues. We do this by:

  • Offering hedging strategies to protect wealth and defer taxes.
  • Formulating tax-sensitive diversification strategies.
  • Considering the role of charitable planning, including the use of gifting strategies to reduce tax liabilities.
  • Offering access to other diversification strategies.
Reporting & Updates

Reporting & Updates

Our main goal is to build a trusting, long-term relationship with you, and we believe clear, two-way communication is key. So, we keep in touch and stay on top of your portfolio and changing market trends. We provide you with:

  • A comprehensive quarterly performance report.
  • Quarterly market perspectives.
  • Periodic updates about your portfolio or potential new investments.
  • Timely insights into other important wealth and investment management topics.

You’ll also receive periodic statements from the brokerage firm acting as custodian for your assets. And, it goes without saying that if you have a question or concern at any time, you can always feel free to contact us.

ALWAYS KNOW WHERE YOU STAND

We utilize state-of-the-art technology to provide convenient, secure access to up-to-date financial information. Our goal is to provide you with relevant information whenever you need it – be it through technology, our thought leadership, or collaboration with your advisory team.

To promote your peace of mind, we continue to enhance our technology to maintain a regular schedule of performance reporting. Our goal is to provide 24/7 access to your account information, so you can feel confident that you’re making progress toward your goals.

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ADDRESSING THE UNIQUE FINANCIAL CONCERNS FACED BY WOMEN

We organize informational and interactive events and discussion groups with the aim of providing female clients and professionals with a place to turn for advice and networking.

Our goal is to help them confront the unique challenges of women who are involved in managing their family’s wealth. Colony Women and Wealth Connect, led by veteran Principals and financial counselors, seeks to tap the power of shared experience to bolster the wealth management efforts of our female clients.
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