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What You Need is What We Do

Every client’s financial goals, situation and personal investment preferences are unique. As your Financial Advisor, our most important job is to truly understand who you are and what you want your assets to accomplish for you. Baird provides access to a broad pool of research, resources and planning expertise from which we can draw when designing customized solutions based on our knowledge of your specific needs in these areas.

Investment Management

- Provide education on 401(k), 403(b), 457, IRA, Roth IRA, and non-qualified
- Evaluate investment alternatives
- Explain investment ideas in an easily understood manner
- Provide asset allocation review and account rebalancing at least annually or as needed
- Create and review an investment policy statement tailored to your needs

Retirement Planning

- Evaluate pension plan structures, IRAs, Roth IRAs, 401(k), 403(b), Qualified Plans
- Analyze distribution options for pensions
- Calculate retirement plan benefits, including Social Security
- Calculate IRS required minimum distributions (RMDs) and educate you on the regulations
- Provide Roth IRA conversion calculations and advice

Estate Planning

- Advise on the proper use of estate planning tools such as wills, trusts, or power of attorney
- Review ownership and beneficiary designations on all accounts
- Provide education and guidance on charitable giving alternatives

Income Tax Issues

- Discuss the benefits of optimizing your 401(k), 403(b) and other retirement plan options
- Provide information about tax-planning strategies
- Provide a capital gains/loss planning
- Provide a year-end capital gains/loss analysis
- Provide information on the benefits of health savings accounts and section 125 plans

Economic Analysis

- Provide economic and capital market updates and explain what it means to you
- Guide you in the evaluation of economic news to determine what you should and shouldn’t be concerned about

Liability Management

- Analyze debt structure and organization, and assess lending opportunities
- Evaluate mortgage financing, the economic benefits of refinancing, accelerated payment programs,
- PMI reduction strategies

Cash Management

- Help determine an appropriate amount of “easy access” funds for emergency or opportunity availability
- Evaluate current holdings and look for opportunities to increase returns on cash accounts

Income and Expense Analysis

- Look for opportunities for additional savings
- Assist prioritizing spending and prepare for potential pitfalls

Insurance Review

- Evaluate current life, long-term care, health, umbrella, disability coverage and look for opportunities for improvement or money savings

Self-Employment Issues

- Help you manage retirement plan maintenance and tracking of contributions made, contributions limits, 5500 tax forms, etc.
- Analyze current employee benefits and provide options
- Provide information on business transition or succession strategies
- Provide referrals to business valuation specialists

Employment and Participant Support

- Explain how to optimize employer benefits
- Analyze the financial benefits of employment offers
- Evaluate stock options and distributions as well as restricted stocks

Saving for Education

- Educate on the various minor account ownership options: 529s, UTMAs, Education IRAs, etc.
- Help calculate the college financial costs

Goal Related

- Conduct annual planning evaluations and tracking of goals
- Calculate net worth and review cash flow annually
- Provide more confidence for financial matters, focusing on goals, priorities, direction and structure
- Develop, establish, and track individual and family goals
- Provide proactive follow-up on action items

Information and Education

- Send quarterly market updates
- Provide investment information with a comprehensive approach
- Discuss the ability to sustain current lifestyle in retirement with an emphasis on sustained withdrawal rates, increased longevity, continued increase in health care costs, and the effects of inflation.
- Keep you up to date with product, service, strategy changes and improvements


- Provide positive encouragement and motivation for effort and successes
- Advise you to avoid reactive or emotional decisions which could negatively affect your portfolio
- Support you through transitional phases: major illness, death, inheritance, job change, retirement, child birth, divorce, legal issues or other crises
- Encourage you to save and invest
- Evaluate your risk tolerance and help determine your tolerance for loss
- Resolve problems quickly


- Provide friendly and knowledgeable support
- Continue to seek out professional education for ourselves to better serve you
- Provide referrals to CPAs, attorneys, mortgage brokers, etc.

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