how we serve you

portfolio/investment management

Expert advisors provide disciplined, dynamic, and carefully curated investment strategies, because that is the foundation of GIA’s investment management process. Our time-tested strategies are designed to meet your individual investment goals and objectives. We recommend global, domestic-only, or ESG-only model asset allocation strategies.

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 based on a history of strong performance while dynamically positioning for the future.

financial planning

Our financial planning services are built on our values of integrity, honesty, trust, responsibility, innovation and learning, and to be carefully committed to your goals, hopes, and dreams. We believe you will never find an advisor who will care more about you and your family.

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

risk management

Team GIA helps identify risks that could considerably diminish your wealth. Through insurance assessment we partner you with top-tier private insurance solutions. While we like to encourage you to focus on what may go right with your situation, it’s also crucial to examine how you may be negatively impacted without proper defenses in place. It is often prudent and more cost effective to transfer risk to an insurance company to minimize the financial damage of an unanticipated event in your life or that of a loved one.

Some of the ways we may recommend you employ insurance in the 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

Sequencing distributions of investment account tax-types can dramatically improve outcomes in your retirement years. Therefore, it’s important to accumulate wealth in different tax-advantaged accounts to have those options in the future.

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.

estate planning

Our estate planning experts will help you understand how your assets will be distributed under your current estate plan and existing tax law, specifically working with Trusts, Wills, POAs, and healthcare directives. We also offer private trust services.

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.

specialized services

We realize that with wealth comes more stewardship and a need for levels of expertise. This is why we offer specialized services and access to both our team of advisors and trusted partners to help you consider sophisticated solutions tailored to fit your needs. Specialized services we offer are: Real estate investing, Retirement plans for employers, Private trust services, and Charitable planning.