Financial Planning
Financial Planning That Brings the Pieces Together
Financial planning isn’t just about one decision; it’s about how everything fits together. Your investments, taxes, income, and long-term goals all play a role.
When one piece is overlooked, it can affect the rest.
At Winthrop Partners, we help you connect those pieces into a coordinated plan built around your life. Our financial planning process includes:
- Investments and income
- Your investments and portfolio structure
- Asset Location Strategies (taxable, tax-deferred and tax-free locations)
- Retirement income and distribution strategies
- Tax considerations and timing decisions
- Estate and legacy planning
- Cash flow and major life transitions
- Social Security planning
Instead of addressing each area separately, we help you see how each decision is part of a mosaic that paints a larger picture.
Ready to see what your financial future could look like?
How We Bring Your Financial Plan Together
Because your life changes over time, your financial plan should too. We build a structure that keeps everything aligned as your needs evolve.
We look at how each part of your financial life works together:
- Are your investments aligned with your income needs?
- Are tax decisions positively impacting long-term outcomes?
- Does your estate plan reflect your current goals?
When these pieces are coordinated, your plan becomes clearer and easier to manage. This creates a roadmap to guide your financial decisions.
Building Your Financial Foundation
We help define the base of your financial pyramid. With that foundation in place, your plan has a clear structure to build on.
What does your money need to support?
When will you need access to your money?
How do today’s financial decisions impact your future?
What does your money need to support?
When will you need access to your money?
How do today’s financial decisions impact your future?
With that foundation in place, your plan has a clear structure to build on. As your life evolves, we stay involved, refining your plan, helping you adjust your strategies, and keeping each layer of your financial foundation aligned.
Financial Planning FAQ
What is the minimum value of assets required to work with Winthrop Partners?
Generally, Winthrop Partners is ideal for individuals and families who have a minimum of $250,000.00 in investable assets.
What are Winthrop Partners’ fees?
Generally, we charge a fixed fee of 1% of AUM for our planning and Investment Management services. This fee may be reduced for accounts with large amounts of assets under management. For Investment Planning Services, we also offer a subscription fee for accounts that do not meet our minimums.
What are Winthrop Partners’ licenses and certifications?
Winthrop Partners team members are Series 65 licensed or are Certified Public Accountants,Chartered Financial Analysts (CFA), Certified Financial Planners (CFP). The firm is a member of NAPFA, The Fee-Only Network, National Association of Estate Planners and Councils and the MD Preferred Network.
We are staffed with MBAs, CPAs, CFAs, ChFCs, CFPs and licensed individuals that together create a full-service wealth management and financial planning firm that satisfies the diverse needs of all our clients.
What are the benefits of working with a fee-only advisor?
The benefits of having a fee-only advisor includes transparency, no hidden charges, and no undisclosed conflicts of interest to sell a certain product line or company offering. We receive no incentives from third parties to entice us. Fee-Only advisors only work on behalf of their clients.
How often will we meet to discuss the health of my portfolio?
We are available to meet with you as frequently as you desire! In the early stages of the relationship when a higher degree of financial planning may be involved, weekly or monthly meetings might be appropriate. When issues or changes in circumstances arise, we are there to help you assess the impact of these changes on your goals and to make any changes to your financial plan to keep you on track to achieving your goals. Once the relationship is established, most clients elect an informal quarterly telephonic update with a formal annual review.
How often will you provide a report of my portfolio?
We provide annual reports of a client’s portfolio, but are available anytime upon request. Our custodian provides monthly portfolio reports.
How can I access my retirement reports?
Clients have online access through our custodian, Raymond James’s online portal, and can retrieve real-time investment holding reports and retirement plans at any time.
Where are your offices?
We have locations in Doylestown, PA; Pittsburgh, PA; Orchard Park, NY; and Miami, FL.
Our Offices
Eastern Pennsylvania
Winthrop Partners
100 Mechanics Street, 1st Fl
Doylestown, PA 18901
Western Pennsylvania
Winthrop Partners
101 E. Swissvale Avenue
Pittsburgh, PA 15218
100 First Avenue, Suite 1010
Pittsburgh, PA 15222
Western New York
Winthrop Partners
21 Princeton Place, Suite 230
Orchard Park, NY 14127
Southern Florida
Winthrop Partners
8200 NW 41st St, Suite 318
Doral, FL 33166
How can I set-up a consultation?
Schedule your complimentary consultation with one of our fee-only investment advisors. We will create a custom retirement plan based on your financial goals and personal desires.