two people talking researching financial planning

Plan Your Future

the first step in our process

Charles R. Green & Associates, Inc. utilizes an independent, personalized holistic approach focusing on the key Wealth Management Pillars to assist in outlining/answering our client’s specific needs, investment objective & goals.

We get to know our clients personally. Understand their goals, objectives, dreams, and concerns. What does their dream retirement look like? What keeps them up in the night? We want to understand their entire financial picture so we can then build a customized financial plan to help them pursue these goals/objectives.

Planning Services

icon of a chair and umbrella regarding retirement

Retirement Planning

Having a plan in place as you move closer to retirement or while in retirement can provide comfort during times of uncertainty. A plan can become the foundation of future decision making for years to come.

We evaluate your options and identify other important elements of your future retirement, including cash flow, income needs, and more.

We believe in detailed retirement analysis to help clients save adequately while working and contributing to retirement funds.

  • Create a Plan to provide a predictable, sustainable, and increasing stream of income to keep pace with inflation.
  • Ensure cash flow keeps up with rising Medical and Health Care Costs
  • Implement a plan to begin taking Social Security at the most optimal time
  • Develop an RMD withdrawal strategy to ensure you are as tax efficient as possible
  • Understand and have a plan to withstand ongoing tax law changes
  • Determine the most effective withdrawal strategy to supplement living expenses
investment planning

Investment Management

We will look at your current investment holdings and identify opportunities for improvement or updates. As your goals or financial situation change, you may need to adjust your portfolio.

We aim to create a diversified portfolio that aligns with your risk tolerance and focuses on pursuing your goals, not chasing the markets.

  • Utilize institutional money managers to build customized globally diversified portfolios
  • Focus on tax efficient strategies for certain account types
  • Align clients risk profile and time horizon with appropriate investments and account structures
  • Continually monitor investments to account for changing client and market conditions to make sure client’s investment goals are being met on an ongoing basis
  • We believe in investing for the long-term, not speculating
gavel representing tax planning

Tax Planning

Assisting with the tax needs of high-net-worth individuals, families and small businesses, we take pride in recommending the innovative solutions and specific services they need.

We believe our clients deserve our complete focus if we are to ensure they meet their unique goals today and for years to come.

  • Provide tax planning and investment options to help manage tax paid
  • Review and identify tax efficient Distribution strategies
  • Offer Tax Efficient investment strategies
  • Ongoing monitoring of tax law changes
  • Qualified Charitable Distribution strategies
  • Roth Conversion Strategies
  • Collaborate with CPA or Tax professional
Estate planning

Estate Planning

Preserving your assets is important and meaningful. To complicate your planning, the present legal environment creates an ever-changing set of laws for estate taxes and a myriad of planning options to address the laws. Estate planning preserves your legacy.

  • Estate Plan Review and Evaluation
  • Assess Medical Directives and Power of Attorney
  • Ensure correct designations of beneficiaries
  • Collaborate with Estate Attorney
  • Manage Estate Tax Exposure

Risk Management

Risk management is a very broad topic.  In the financial world, risk management is the process of identification, analysis and acceptance or mitigation of uncertainty in financial decisions.  Inadequate risk management can result in severe consequences for an individual or family’s financial plan.

Our goal is to review these risks together and assist our clients in developing a plan to manage these risks.

  • Examine insurance policies and make sure premiums align with coverage
  • Open Life insurance and Long-Term Care policies when appropriate
  • Review Term/Whole life policies to ensure coverage is adequate and meets individual or family needs
  • Collaborate with Agent when appropriate

Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss. Neither SagePoint Financial, Inc., nor its registered representatives, offer tax or legal advice.

Our Process

Easy as 1. 2. 3.

icon of a light bulb going off in someones head about financial planning

Plan

Our approach focuses on key financial planning pillars.

ruler and pencil regarding life insurance

Build

Once your customized plan is created, implementation is next.

icon of a shield used to protect client accounts

Protect

Our goal is to protect this strategy by monitoring our client’s accounts.