Debt and Spending Analysis

We measure the client’s debt and spending habits and how those habits will impact retirement.

Initial Understanding

We start with gaining an understanding of you, your familiarity with the markets, what you expect of us your appetite for risk and your ability to absorb risk.

We are available to you

We provide you with our cell phone numbers which makes us available to you during working hours and beyond because life happens outside 9-5.

Asset and Income Coordination

We ensure that our client’s assets and income are working together to achieve their specific financial goals.

Creating a risk profile

A basic evaluation of your risk profile is then created as a starting point for the planning process.  For most wealth managers this is where the risk process ends, but at Winthrop, your initial profile simply provides a basis for asset allocation, which is checked, re-checked, and confirmed.

Weekly Market Updates

We send a weekly market commentary including a review of the previous week’s equity, alternative asset, bond, and foreign exchange indices.  This information regularly updates you on the forces impacting your portfolio.

Retirement Cash Flow Planning and Budgeting

We establish a solid plan for the client’s retirement, so they understand how their money is going to work for them and where their money is going to come from.

Portfolios must not exceed your appetite for risk

If the risks exceed your appetite you are vulnerable to exiting the market at the lows guaranteeing losses. However, a certain amount of risk must be taken to help achieve your goals.

Weekly Economic Updates

We update you weekly on the previous week’s national and international economic activity.

Tax Strategy

We help develop a plan of action for reducing taxes as they relate to your investment situation.  While remaining true to the underlying investment principles we use tax-efficient strategies to ensure tax efficiency.

Note: we do not provide tax advice.

Allocation is the Key

A well-designed portfolio allocation can help coordinate the amount of investment that you make, the timing of your retirement, and your spending patterns. Allocation determines the lion’s share of returns.

Quarterly Capital Markets Update

Every quarter, we provide a Capital Markets Update to our clients from Raymond James, providing an in-depth and multifaceted review of the markets.

Insurance Review

As a part of our client’s annual financial plan review, a thorough analysis of their existing insurance policies may uncover more attractively priced and or better-aligned policies.

Note: we do not sell life insurance.

Planning further Informs Allocation

During the planning process, the results of investment risks are brought to the forefront as well as likely returns emanating from your portfolio. The planning process helps create your unique portfolio with the appropriate amount of risk and return for you.

Economic Calendar

We provide you with a two-week calendar of scheduled economic announcements from the Fed and other government agencies together with experts’ consensus estimates of the key data related to the announcements.  Each week we provide a recap of last week’s actual data vs estimates allowing you to gauge future estimates’ accuracy.

Estate Attorney Meeting Preparation

We review finances and documents such as wills, power of attorney, and other tools that assist in the management of your estate. We then prepare and organize all necessary documents and information for meetings with an estate attorney.

Investment Selection

We create a customized investment plan that maximizes after tax returns, diversifies across asset classes, meets your cash flow requirements, and avoids unnecessary risk. We use time-tested methodologies to select from the infinite universe of stocks, bonds, ETFs  REITS, and other funds to build an appropriate portfolio for you.

Email recaps after major market events

After something major occurs in the market that could be disconcerting to investors, we send out a memo that describes the situation, the potential impact on their portfolio, and any adjustments we might make or simply provide support and reassurance that the impact should resolve itself over time.

Online access to portfolio overview and simulation tools

The “Play Zone” is a collaborative, online tool that allows clients to adjust changing factors such as age of retirement, spending goals, and investments, while instantly seeing the impacts of those variables.

Tax-Efficient Portfolio Transition

Transitioning a taxable portfolio to a portfolio that is more in line with your personal goals is done with capital gains taxes front of mind.  We provide strategies for transitioning portfolios and managing capital gains.

Email updates on changes made across our clients’  portfolios

Any changes that occur across our clients’ portfolios receive an emailed explanation of our action and the reason for the action.

Monitoring and Maintenance

Once a portfolio is designed, it needs to be monitored, rebalanced, and adjusted for changing economic, tax, and personal circumstances as well as the performance of the underlying securities.

Portfolio discussion meetings

Whether it’s a formal annual review, quarterly telephonic update, or at the customer’s discretion, we are always available and accessible for our client’s financial questions.

Retirement Planning Services 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 retirement planning 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.

▼ What are the benefits of working with a financial advisor for your retirement planning?

There are several benefits of working with a financial advisor for your retirement planning. Winthrop Partners provides professional guidance, experienced advice, and reassurance to give the client a peace of mind and motivation to save. All your retirement accounts can be consolidated into one plan.

▼ 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; Buffalo, 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

Winthrop Partners

100 First Avenue, Suite 1010

Pittsburgh, PA 15222

Western New York

Winthrop Partners

295 Main Street, Suite 840

Buffalo, NY 14203

Southern Florida

Winthrop Partners

8200 NW 41st St, STE 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.

Ready to find out more?

Set up a free consultation to learn about our retirement planning services and the first steps toward long-term financial well-being.

Contact Us