Here's what we are going to do
You need a clearly defined, transparent, and easy-to-follow plan. Three Streams Financial will help you build your retirement income plan focused on diversification, simplicity, and tax efficiency. You can manage the plan yourself or have us manage it for you. We will help you achieve your retirement goals!
A comprehensive Retirement Income Plan
Your written plan for generating income in retirement.
An optimal Tax-efficient Withdrawal plan
Reduce your marginal tax rates in retirement.
Ongoing Retirement management
Outpace inflation, taxes, and healthcare costs - Never run out of money!
How we help
Investment services are designed to help you build a diversified, tax-efficient portfolio that generates income for life. Choose your level of service.
INVESTMENT MANAGEMENT
At Three Streams Financial, we provide comprehensive wealth management services, including investment advice, portfolio design, and ongoing investment management. We focus on essential investment decisions and techniques to assist you in making well-informed choices that maximize returns, minimize risk, and achieve your retirement income objectives.
Your Personalized Investment Strategy
Map out a written plan to help you stick to your goals.
Make Informed Investment Decisions
Understand the risk and tax implications of your portfolio.
Achieve Higher Returns With Less Risk
Identify the best strategies to keep your portfolio on track.
RETIREMENT PLANNING
Our personalized advice, tax-efficient withdrawal plans, and ongoing income management are designed to help you make well-informed investment decisions that maximize returns, minimize risk, and achieve your financial goals.
A comprehensive Retirement Income Plan
Your written plan for generating income in retirement.
An optimal Tax-efficient Withdrawal plan
Reduce your marginal tax rates in retirement.
Ongoing Retirement management
Avoid sequence of returns risk and optimize your RMDs.
ESTATE AND LEGACY PLANNING
We offer comprehensive estate and legacy planning services. These include inheritance management, estate and trust guidance, and investment education for your heirs. Our focus is on helping you make well-informed decisions to maximize your legacy, minimize estate taxes, and ensure that your assets are managed according to your wishes.
Inheritance Investment and tax planning
How do I navigate the tax implications of inheriting a lump sum or IRA?
Estate planning - Wills and Trusts
How to protect your loved ones with the proper legal documents.
Generational Wealth Planning
Identify the best strategies to create wealth for your heirs.
SENIOR HEALTHCARE
At Three Streams Financial, we provide comprehensive healthcare planning services. This includes overall healthcare management, guidance on Medicare supplements, and long-term care planning. Our focus is on helping you make well-informed decisions to maximize protection, minimize healthcare costs, and ensure that your care is managed according to your wishes.
Medicare and supplemental Plans
How do I navigate and enroll in Medicare supplement plans?
Minimizing Health Costs in Retirement
Manage costs and reduce or avoid the IIRMA Medicare Tax.
Long-Term Care and Disability planning
Identify the best strategies to help pay for long-term care.
OUR SERVICES
We will help you build a diversified, tax-efficient portfolio that generates income for life. How can we help you?
our investment management services include the following:
- Comprehensive Wealth Management Services
- Personalized Investment Policy Statement (IPS) guides your investment strategy based on your goals and risk tolerance.
- Professional management of portfolios and 401(k)s, including asset allocation and regular rebalancing.
- Visual snapshot of your complete financial situation to support informed decisions.
- Review asset location for optimal tax efficiency.
- Analyze your investments for tax savings opportunities, including tax-loss harvesting, asset allocation, and strategic withdrawals.
- Access detailed, real-time performance reporting on your portfolio, allowing you to monitor progress toward your financial goals at any time.
- Receive updates on the consolidated performance of all your accounts, providing a comprehensive view of your overall financial position.
- Participate in annual meetings to review your investment plan, discuss progress, make necessary adjustments, and update beneficiary information to reflect any changes in your circumstances.
our retirement and tax planning includes:
- Comprehensive financial planning for your entire financial life
- Receive a customized, written retirement income plan tailored to your needs
- Benefit from professional management of your investment portfolios and 401(k) plans
- Gain a clear, visual overview of your current financial health
- Implement a tax-efficient withdrawal plan to maximize your retirement income
- Optimize your Social Security and pension benefits through expert planning
- Protect your future with life, disability, and long-term care insurance planning
- Monitor your investment performance in real time for actionable insights
- Track daily performance of all your consolidated accounts in one place
- Participate in annual reviews to keep your investment plan and beneficiaries up to date
Estate and legacy services:
- Prioritize comprehensive estate planning
- Create a personalized inheritance investing plan
- Ensure professional management of inherited portfolios and IRAs
- Gain clear insight into your financial situation
- Conduct a thorough beneficiary review
- Consult with an estate attorney for trust guidance
- Detailed performance is available in real-time
- Review 529 plans and Roth IRAs for optimal planning
- Commit to annual meetings to review the estate plan and update beneficiaries
Senior Healthcare Services include:
- Prioritize comprehensive retirement healthcare planning to safeguard your future
- Develop a personalized Medicare strategy to ensure you get the coverage you need
- Implement healthcare savings strategies to prepare for rising medical costs
- Gain a clear, visual understanding of your current financial health to make informed decisions
- Ensure your HPOA and living will directives reflect your wishes and protect your interests
- Consult with an attorney to determine if a trust is needed for added protection and control over your healthcare and assets
- Explore alternative short-term health and disability insurance options to fill potential gaps in coverage
- Review HSA plans and annuity LTC riders as tools to strengthen your long-term care strategy
- Commit to annual meetings to review your healthcare plan and update beneficiaries, keeping your strategy current and effective
our process
Our process is straightforward and stress-free. It begins with an initial consultation to understand your investment goals and retirement needs.
2019-01-01
Let's Have A Quick Chat
What are the primary worries you have regarding your investments and retirement goals?
2020-01-01
Meet To Gather Data
In-person (or Zoom) meetings to establish a deeper understanding of your objectives.
2021-01-01
Your Ideal Plan
Let's create a reasonable written investment plan that you'll have enough in confidence to stick to.
2019-01-01
Implementation
We'll put your personalized plan to work and manage it through market and life changes.
Frequently Asked Questions
A: Yes. I am registered as an Investment Advisor Representative (IAR) under the Investment Advisors Act Of 1940. Under this federal requirement, if you’re acting in an investment adviser representative (IAR) capacity, you’re a fiduciary. As a fiduciary, I am legally obligated to put my client's interests ahead of mine and act in my client's best interests at all times. This means that I must provide advice that is suitable for my client's needs and risk tolerance and must disclose any potential conflicts of interest.
A: You can search for registrations at the SEC’s Investment Adviser Public Disclosure Website: https://adviserinfo.sec.gov/ (My CRD#: 2131294)
A: The Fee-Only compensation method is considered the most transparent and objective method for financial advice. This compensation model helps to minimize conflicts of interest and guarantees that your financial advisor acts as your fiduciary, putting your interests first. Fee-only advisors are paid only by their clients for advice, plan implementation, and the ongoing management of assets.
A: Yes. I’ve chosen Charles Schwab to be the custodian for all my clients. The first thing to remember is your securities—like stocks, bonds, mutual funds, exchange-traded funds, or money market funds—held at Schwab are yours. The SEC's Customer Protection Rule safeguards customer assets at brokerage firms by preventing firms from using customer assets to finance their own proprietary businesses. I can also rest easy at night knowing that Schwab holds itself to the highest security standards when it comes to safeguarding my client’s assets. You can learn more about how your assets are protected by Charles Schwab at https://www.schwab.com/legal/account-protection.
A: We take nothing for granted. We have the independence of a boutique financial firm, but we’re backed by the power of CreativeOne Wealth, LLC, a revolutionary asset management platform and Registered Investment Advisory (RIA) firm. CreativeOne provides back-office support, ensures compliance, and continuously monitors privacy protection. You can learn more at https://adviser.creativeonewealth.com/tech.
First, RIAs are legally obligated to act in your best interest. They also tend to provide more personalized services. Since they aren't paid on commission, they don't have an incentive simply to deal with only when selling something. RIAs typically have transparent fee structures, often charging a percentage of assets under management or a flat fee, which aligns their interests with yours.
Many investors are unaware of, or confused about, the various fees they may pay when investing. Not my clients! We believe in Fiduciary transparency. Our fee schedule is 0.50% to 0.95% of assets under management annually. We can also negotiate a flat fee for outside investment advice. Our minimum account size is $500,000 of investable assets. However, our services are also available to active accumulators under 45 with a minimum of only $300,000.