Financial Counseling

Navigate your financial life with confidence. Let us guide the way.

Aligning Your Wealth With Your Purpose

Achieving financial independence and reduced financial stress requires holistic planning, and a trusted advisor to guide you. At Graypoint, holistic planning means coordinating taxes, investments, retirement planning, estate planning, and risk management with wealth accumulation. Let us guide the way to a confident financial future.

When we manage your assets, we take the following investment approach.

We serve as a go-to advisor for clients, by delivering holistic financial planning centered upon our client’s goals. Our clients typically have investible wealth and financial complexity that often comes with equity or incentive-based compensation, private or alternative investments, generational wealth planning and greater tax complexity. Our expertise includes managing your wealth, cash-flow and retirement planning, estate and income tax planning, compensation/benefits, insurance planning and philanthropic planning.

Many of Graypoint’s advisors are attorneys, CPAs, CFAs, and CFPs by background. Your family will gain an engaged advisor with deep resources and a passion to serve you.

The Financial Planning Landscape

Financial planning doesn’t always have a front row seat – but we believe it should.

of American adults have an estate plan, and 1 out of 5 haven't updated it recently

0 %

of workplace savers feel on track to retire with their desired lifestyle

0 %

of full-time employees stress about finances, many losing focus at work

0 %

feel a personalized financial plan is an important factor when considering an advisor

0 %

of business owners don't have a transition plan in place to safeguard their future

0 %

Service Offerings

Financial Counseling Components

Graypoint advisors serve as a “go-to” resource for clients, by delivering holistic planning centered upon the client’s goals

Compensation & Benefits

Provide guidance around company’s equity plans, retirement vehicles, deferred compensation
Review time-sensitive benefit elections during annual open enrollment
Ensure beneficiary designations are updated and align with estate plan
Help executives understand stock exposure to their company and manage the position appropriately

Income Tax Planning

Prepare periodic income tax projections, offering tax planning advice and calculating estimated tax payments
Facilitate the preparation of your tax return either by working with your accountant, or through a preferred provider within Graypoint’s network
Incorporate stock vesting into overall tax planning, including withholding and basis tracking
Coordinate your charitable giving to identify tax efficiencies

Estate Planning

Review your estate documents
Recommend improvements to the plan
Assist with coordinating and updating beneficiary designations and asset titling
Advise on strategies pertaining to federal and state estate tax rules
Monitor and recommend changes in conjunction with your attorney as circumstances change
Prepare an estate distribution flowchart

Investment Planning

Manage your portfolio on a discretionary basis or as an investment consultant
Develop strategic recommendations regarding the construction of your portfolio
Select appropriate investment strategies and managers from an open architecture platform
Monitor and report on investment performance and asset allocation
Holistic review of total asset base

Cash Flow Planning

Develop a cash flow plan for individuals
Guidance around mortgages and education funding
Forecast spending needs through retirement
Review withholding, retirement plan contributions, and other elections such as HSA

Insurance Planning

Review existing insurance including health life, auto, home, umbrella, disability and long-term care insurance
Evaluate the sufficiency of coverage
Identify gaps in coverage to further mitigate risks

Our Investment Philosophy

We strive to create opportunities for long-term compounding of invested capital for clients, regardless of level of wealth.

We define risk as extended or permanent loss of invested capital – not based on day-to-day market volatility.

We emphasize long-term strategic asset allocation, but also recognize the importance of near-term tactical and thematic opportunities.

We diversify for the sake of long-term growth potential, not just to minimize risk.

When appropriate for clients, we believe that non-traditional investments are powerful vehicles for compounding capital.

When evaluating asset classes and specific investment opportunities, we follow the fundamentals, not fads or news headlines.

Our differentiated approach toward investing

Graypoint

Asset allocation based upon bottom-up comprehensive financial planning (e.g. tax considerations, wealth transfer goals, etc.)
Customized, bespoke portfolios
Optimized for the potential of capital loss
Experience, sophistication and industry contacts to source public/private investments that align with our philosophy and client’s goals
Forward-thinking approach toward alternative investments focused on best client outcomes, not solely on manager performance
Boutique firm, collaborating as one client team with technical investment, economic and tax counsel available for all clients

Common industry practice

Asset allocations often based on narrow view of investment risk tolerance, ignoring planning considerations
Top-down, menu of generic models
Managed against market volatility
Broker-dealers, large banks with asset management arms often promote their own products to clients
Greater emphasis toward identifying rockstar managers vs. client outcomes
Smaller investment firms may lack breadth of technical expertise, and larger firms often limit access to their largest clients