Planning sits at the centre.
Planning is the spine of this practice. The rest exists to serve it, which is why we would rather build the plan before recommending anything.
Financial planning
It is common to have savings in several places and have no single view of them all. We assemble the full picture, then work out what it supports, what it does not, and what would have to change.
Tax planning
We consider the tax implications of your financial decisions as part of the bigger picture. By coordinating investment, retirement, charitable, and income strategies, we help you make informed decisions with your after-tax goals in mind.
Portfolio management
Investment portfolios built at different times may no longer fit your current financial goals. That’s why we build and can continually calibrate your portfolio around the plan we’ve created together. We keep the conversation open, evaluating what’s working, what isn’t, and what may need to change as your goals and circumstances evolve.
Insurance and annuities
We are here to review and recommend changes to current policies or help you find a new policy that fits within your guided plan. We can help facilitate 1035 exchanges.
Trust management
Whether you’re creating a financial legacy or receiving one, we can help you navigate the road ahead. We work alongside your attorney to help ensure the trust is structured to support your goals, then provide ongoing investment management and financial guidance for assets held within the trust. Our goal is to help make the financial side of a trust clear, organized, and aligned with your broader financial plan.
Business exit planning
Planning to sell, transfer ownership, or step away from a business can lead to many unanswered financial questions. We can help. We work alongside your tax and legal professionals to evaluate the financial implications of the transition and build a plan for turning the value you’ve created into the next chapter of your financial life.
Neither Cypress Bay Wealth nor &Partners renders legal or tax advice.
The 4 “C” Approach.
1
Connect
Find out who you are and the people and things you care about.
Before we talk numbers, we want to understand what matters to you, what you’re working toward, and the considerations on your mind. You don’t need to have everything organized before you call us, we can help with that!
2
Collect
Understand where you are now in your financial life.
We gather the information needed to understand your complete financial picture: your investments, income, expenses, goals, and other pieces that influence your financial decisions. This gives us a clear starting point and helps us see how the pieces of your financial life fit together.
3
Create
Design a financial plan that addresses your finances to your life goals.
We turn what we’ve learned into a thoughtful financial plan built around your goals, priorities, and circumstances. Every recommendation comes with the reasoning and we welcome the questions. The more interactive this stage of the process is, the better!
4
Calibrate
Make timely adjustments as your needs and circumstances change.
Your financial plan isn’t something you create once and put on a shelf. We meet with you, stay connected to what’s happening in your life, and make changes when your situation changes. We calibrate the plan as you change.
