ABOUT RIVER WEALTH

Enriching Our Clients

 

At River Wealth Advisors, we provide clients with personalized financial strategies that will guide them through the changing currents of their lives. So, whether you’re beginning to build your personal wealth, facing a financial life change or planning for retirement, we offer a straight-forward approach with disciplined financial strategies and sound risk management. Below are just a few of the financial life scenarios that we guide clients through.

Enriching Investors

Life-Altering Event

 
 

CHALLENGE:

  • Untimely death of her spouse leaves 67-year-old widow with significant active real estate investment portfolio
  • Widow has limited experience with business and investment matters

RECOMMENDATIONS:

  • Assisted in building a team of professionals who could help with this transition, including estate attorney, CPA and real estate professional
  • Assisted with the disposition of real estate holdings and transition proceeds into a portfolio of investment assets designed to support her lifestyle
  • Assisted with estate plan design and implementation to support the well-being of future generations

RESULTS:

  • Comfortably retired in California, she is no longer a real estate investor
  • She has a group of trusted advisors to assist with needs as they arise
  • River Wealth Advisors manages her portfolio and provides guidance on major financial decisions to assure her retirement lifestyle and comfort remain intact

 

Life-Altering Event

Enriching Investors

Working Professional

 
 

CHALLENGE:

  • Busy professional has successfully accumulated significant investment assets
  • Limited time to focus on day-to-day management, but realized its importance
  • Multiple broker/custodial relationships further complicated investment administration
  • Limited ability to translate accumulated wealth into a practical long-term plan
  • Increasing analysis needed for various executive compensation plans
  • Emerging needs for more complex tax and wealth transfer strategies

RECOMMENDATIONS:

  • Consolidated disparate holdings under one custodian to improve administrative efficiency and simplify the process
  • Prepared a goals-based financial plan to determine what was needed for the individual to achieve his long-range objectives
  • Designed a portfolio around the long-term plan and the individual’s comfort with investment risk
  • Built an understanding and explore the use of specialized tax, estate planning and insider divestiture rules and plans

RESULTS:

  • The client has a clear understanding of the plan, including planned actions and risks
  • During periodic meetings, plan updates are provided and discussed, and changes are adopted as needed
  • The client has confidence in the execution of the plan and is comfortable knowing that the assets are being managed professionally

 

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Enriching Investors

Transition To Retirement

 
 

CHALLENGE:

  • An individual is nearing retirement with significant assets accumulated in retirement accounts
  • Assistance is needed to understand how to convert savings into dependable retirement cash flow

RECOMMENDATIONS:

  • Assisted the client in developing an understanding of what their retirement income needs would be
  • Evaluated various sources of retirement income and provided analysis of the options available
  • Prepared a spending plan that incorporated all available income and assets to determine if spending goals were reasonable and achievable
  • Designed a portfolio around the client’s goals, objectives and comfort with investment risk

RESULTS:

  • Client is now retired, with regular distributions being deposited from their investment account to their checking account
  • The portfolio and the spending plan have been designed so that the client’s lifestyle is not exposed to market volatility
  • During regular client meetings, updates are provided to insure the plan adequately reflects the client’s current situation
  • The client has confidence in the execution of the plan and is comfortable knowing that the assets are being managed professionally
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