Wealth Management



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Wealth management refers to a number of investment techniques aimed at producing high returns with an acceptable level of risk. A number of organizations have emerged in recent years as experts in this field. Professionals involved in managing wealth take on various aspects including asset allocation, estate planning and asset protection. They also look into the possibility of creating supplementary wealth through investments in safe assets like government bonds, equities in major companies and real estate properties. Professionals involved in wealth management often belong to professional associations that ensure a consistent standard of ethics and high standards of skill and performance. We all know that it is very difficult to get the best returns on investments if one is a high-net-worth client. Most wealth managers work with medium-net-worth clients in order to provide the best advice and help. A wealth manager can be specialized in one or more areas such as asset protection, estate planning, charitable giving, investments in bonds, the stock market, and microcap stocks. 




Retirement Planning


Retirement planning involves systematic investment of money meant for maintaining one's lifestyle through retirement; however, this does not mean that you should put your entire savings into it. Retirement planning, like any other important investment decision, requires some amount of research to be done. One's retirement planning depends on how much is expected to earn in retirement, the current standard of living, what type of lifestyle one wants to lead after retirement, etc. Retirement planning entails various activities such as researching tax codes, understanding stock market terminology, getting expert advice on investments and so on. Another thing one should consider is how to make contributions to retirement planning. There are two basic types of contributions - employer-sponsored and self-employed. Self-employed contributions can either be made in forms such as salary or dividends and can only be made by a legally recognized business entity. The other type is employer-sponsored. In this case, an individual can make contributions either within his/her employer plan or via an IRA (Individual Retirement Account). In either case, certain rules and regulations regarding IRA contributions are laid down.






Financial Advisor


If you are seeking a financial advisor, you will be faced with the same choices that anyone else would have. The first thing you will want to consider is whether you want to use a company or an individual advisor. Many professionals work independently so it may be difficult to find a reliable one if you choose this route. On the other hand, most companies work as part of larger organizations and so you should be able to find one that works with your insurance company.



Most financial advisors start out by working with individual clients. This means that they help people plan for their future by working with 401k's, IRAs, endowments, and investment portfolios. They meet with their clients and counsel them about their financial planning. This would include sitting down with a client and developing financial plans to investing in their futures, retirement, investing for their children, or anything else that may be important to the person. Financial advisors may also invest a client's money for them and meet them regularly over the years to share their investments with the client. For most people, this type of personal financial advisor will end up being very affordable, especially when compared to the costs of hiring an accountant or financial planner.


Click Here to Call Us: 925-906-9800


Hawley Advisors
1600 South Main Street, Suite 190, Walnut Creek, California, 94596 US