At BFJ Financial Group, our firm uses a comprehensive wealth management process that applies advanced investment and tax strategies to help our clients achieve personal financial freedom. Our knowledge as CPAs and financial advisors provides a depth of resource and skills that ensures all pieces of your current financial plan are working together in a tax-optimized manner.
Goal-Centered: Our wealth management process starts by assisting you in defining your financial goals and developing an action plan to pursue them. Our process ensures that all of your financial concerns will be addressed on your own timetable through a series of regularly recurring meetings.
Comprehensive Planning: We take your entire financial situation into account including retirement,education,estate, insurance, investments and cash flow.
Strategic Emphasis: Our approach incorporates additional wealth building strategies including:
Tax Sensitive Investments: Investment plans are developed with a sensitive eye towards tax-advantaged programs such as tax-exempt and tax-deferred investments, Roth IRAs and direct participation programs.
Tax Loss Harvesting: Taxable investment accounts are monitored to “harvest” losses with timely portfolio reallocations to help maximize after-tax rate of return.
Long Term Tax Management: With regard to future income taxes, assets are diversified across accounts to provide flexibility to manage income taxes during retirement. Assets and investment ownership are reviewed and restructured to help increase tax benefits.