how we serve you

our approach consists of 4 core pillars:

1. We believe in diversification so our strategies exclusively use funds and not individual securities as funds typically provide instant diversification in certain areas.

2. We believe in time-in, not timing. We are a buy & hold firm. We do not go to cash. We do not use tactical strategies.

3. We believe in asset allocation as a way to appropriately control risk of portfolios with different time horizons.

4. We believe in decision-making based on a process and not on emotion. We curate strategies with a history of strong performance in both good and bad markets.

Only *23% of you feel very confident that you will have a comfortable retirement and we want to change that, so 100% of you feel confident your money is invested right and will be there when you need it.

Your peace-of-mind for both retirement and your short-term financial goals is very important to us. We want you to live with freedom to pursue a life full of purpose and meaning and to become the hero of your own financial story.

We are life advisors, meaning we take a wholistic approach to financial planning. Even if we don’t manage the asset, we still include outside assets and income streams in your dynamic financial plan. We will continually update your plan as your situation, markets and the tax landscape evolves, providing you with a retirement plan that grows with you.

* Retirement Confidence Survey

Some of the ways we employ insurance in your financial planning process include:

Term Life Insurance: Considers income replacement as well as business succession funding and estate planning through a vehicle which may be income tax and estate tax free, if structured properly.

Long-term Disability Insurance: Protects your income in the event you are unable to work prior to financial freedom. You are 3 times more likely to be disabled prematurely than to die prematurely.

Long-Term Care Insurance: Provides financial support for you to age well with coverage for respite care, in-home care, assisted living, nursing home care, or memory care.

Property and Casualty Insurance:  Auto Insurance, Homeowners Insurance, Renters Insurance, boats, and liability insurance.

Tax planning is the analysis of a financial situation or plan from a tax perspective for the purpose of ensuring tax efficiency. At GIA we partner with multiple CPAs to serve a multitude of tax needs and we verify all elements of the financial plan so that they work together in the most tax-efficient manner possible. Our partner CPAs (including yours) can review your recent tax returns to identify potential savings.

At GIA we know that our clients want to create a legacy that will last for generations. We know that people, family and giving to charities close to your heart are of the utmost importance. Knowing how your lifetime of work can benefit the people and organizations you cherish is rewarding. However, there are also the existing tax laws to navigate and our goal is to minimize your administrative burden and to maximize the wealth distributed to the people and causes you love. Our team is here to help you understand how your assets will be distributed by establishing an estate plan, or explaining how your assets are allocated under your current plan.

We can offer advice on real estate investing. Accredited investors may also have access to certain real estate investments. Accredited investors are high net worth individuals worth $1 million plus excluding their primary residence, or earning $300,000 in income per year for a couple, or earning $200,000 in income per year for an individual.