Wealth complicates life. Many successful people struggle to keep up with managing wealth, leaving too little time to focus on what their wealth is for. With Buttonwood, we help make it possible for you to focus on the rest of your life.
Deeply involved in the community as patrons of the arts and supporters of numerous causes, we are uniquely suited to serving clients who recognize there are values beyond wealth. We specialize in focus on the creation, implementation, and ongoing strategy in your financial life– based upon your specific goals. Making your goals our art. Did we mention our offices reside in an art gallery?
At Buttonwood, our objective is to provide you with answers to any questions you have, as well as learn what it is you would like your life to look like and what you desire your assets to do for you.
Our team of financial professionals work together seamlessly to:
Offer holistic advice, education, and best practices for growing and managing wealth;
Access to continuity and estate governance;
Work with you to develop financial strategies designed to address your specific objectives;
Customize services to address the specific needs of your family. We build a custom “box” to fit your needs.
Anticipate and meet your needs through every life’s transitions today, tomorrow, and for generations to come.
Today, dealing with the challenges of day-to-day life are hard enough; let alone retirement, education, cash flow, insurance, estate planning and other items we all know should be a priority.
Here at Buttonwood, we guide our clients with the same care and scrutiny as a corporate CFO, so you can focus on things that matter more than wealth.
We feel Financial Planning is a life-long process that, when done correctly, allows you and your family to take control of your financial future.
Through the use of our dynamic, Financial Planning tool – Buttonwood Wealth Management Solution (BWMS) – our Team provides you real-time access to your unique strategies at all times and updated daily.
Plans may include:
Better understandings of your current financial situation;
The ability to know specifically what needs to happen for you to achieve your financial goals.
Set an adjustment plan when goals or financial conditions change.
Have the necessary financial resources set aside to fund your goals as they occur.
Reduce the impact of unexpected life events.
Problems We Solve
Managing your wealth is complicated. Buttonwood Financial Group works with you to solve problems and overcome challenges that come with a complex financial life.
What are the financial concerns that keep you up at night? We can help.
You’re not sure how much you’re paying for investments and financial advice?
Unlike some other firms, Buttonwood Financial Group is committed to complete transparency in its fee structure. We always disclose all our fees. No hidden charges.
You’re worried that you’re being sold investment products (for your advisor), not for you?
The advice we offer is based on your objectives, not on a commission rate. Simply put, if an investment would be something our team members would have in their own portfolios, we want you to know about it.
You’re worried that your financial plan is an “out of the box” solution—and that you don’t really fit into one?
We put your needs first. We don’t tell you which financial box you fit. Instead, we custom build the box for you. It’s your money, your needs and your life!
You’re not sure if you have enough for retirement?
We assist with developing the right retirement strategies to suit your comfort level, including taking advantage of tax-saving opportunities, determining the amount of return and risk to insert in your planning strategies, periodically reviewing your goals to be sure they remain on target.
And so many more potential questions we have an answer for. We give you worth beyond your wealth. All you need do is ask us.
Asset management is one of Buttonwood’s core service offerings and one of the most critical ways in which clients are assisted in organizing and taking control of their financial lives.
If you would like to:
Reduce the number of investments you are responsible for tracking, managing, and accounting for;
Not have to worry about commissions when investment products are purchased or sold;
Target a more consistent rate of return;
Make sure all your assets – from your real estate and retirement plans to your bank account and Social Security – are working together, and
have a high degree of confidence cash flows from investments will last throughout your life, then
… we should talk.
At Buttonwood, our focus is based around life-long strategies designed to achieve your specific financial goals, whatever they may be. Through the proper allocation and monitoring of assets, Buttonwood strives to reduce overall volatility of investments while targeting more consistent returns year after year.
While the use of a comprehensive technique called Asset Allocation is not unique to Buttonwood, having a Team of professionals on top of investment allocation, selecting market sectors to both increase and decrease exposure to, and regularly implementing execution for you can be invaluable.
If you would like to review how we are positioning assets now please review our latest Quarterly Newsletter.
If you are interested in having a team of professionals comprehensively manage your investment assets in harmony with both your short and long term financial goals, please contact Buttonwood today to interview us and learn more.
Risk and InsurancePlanning
How Do You Strike The Right Balance Between Coverage & Cost?
Review Your Coverage Before A Claim Arises
Many people learn about their insurance coverage when they receive less than the full value of their lost or damaged property at the time a claim is settled—or worse, denied.
We often assume we have coverage for a loss because it seems perfectly logical that if a loss involves your home or your car, it should be covered by those policies. Have you read your policies?
Eliminate Gaps and Redundancies in Coverage
Make sure you are paying for coverage at least once, but not twice. Do you have towing through AAA and your auto policy? It’s easy to overlook computers, musical instruments, jewelry, art, and antiques – make sure you know your policy’s limits.
Maintain Coverage Limits and Deductibles That Make Sense
Insurance is a way to shift risk and provide protection against the kinds of losses you can’t afford to self-insure.
We live in a litigious society. Don’t underestimate the value of adequate liability protection because without the added coverage a liability umbrella provides, you may be putting your entire financial future at risk.
When it comes to property and casualty insurance, we pay close attention to the details as part of your Buttonwood Wealth Management Solution.
What is tax planning?
Tax planning usually involves strategies to minimize your income tax liability, for instance, by deferring income, maximizing deductions and deductible expenses for a particular year, and selecting tax-advantaged investments.
How does Buttonwood select investments from a tax perspective?
Investment tax planning focuses on the income tax implications of your investment selections. We understand how the different returns of the investments you are considering are taxed before finalizing your asset allocation decisions.
For example, corporate and most governmental bonds generate ordinary income taxed at your marginal (top) tax bracket. However, municipal bonds are generally tax exempt. The stocks of many large, established companies like banks and utilities pay regular dividends. Dividends are eligible for a reduced rate of tax from 2003-2008. Otherwise, dividends are taxed as ordinary income. Many growth companies pay little or no dividends as they generally reinvest their earnings.
The timing of when an investor receives income is also an important consideration. Taxable bond income and dividends are taxed in the year you receive the income. The increase in the value of a stock (capital gain) is generally taxed when the stock is sold. Either way, timing should be taken into consideration if you decide to make a major shift in your investments that requires the sale of a lot of highly appreciated assets. It is also important to know that investments held for one year or less will generally not receive favorable tax treatment as their gains are taxed as ordinary income.
The investment strategies of investment companies should also be considered from a tax perspective. Some managers adopt a buy-and-hold strategy that minimizes the tax generated. Other managers regularly buy and sell investments, triggering taxes even if you do not make any changes to your investments.
Additionally, when you are saving for retirement, Buttonwood generally reviews options for investment in tax-deductible and tax-deferred vehicles such as a 401(k) through an employer and/or an IRA. There are also a number of tax deferred plans available for self employed individuals and small business.
The process of selecting investments should not be based solely on tax implications, as each investment choice may have its drawbacks. Generally, tax objectives select tax-favorable investments, however, these investments should be consistent with you return rate expectation and risk tolerance, overall goals, and time horizon.
Wealth Preservation and Transition through Effective Income and Estate Tax Planning
Buttonwood Financial Group is committed to the overall financial well-being and long-term client success. The creation of financial well-being can involve a number of separate strategies. Commonly, strategies are implemented in three phases:
(1) Wealth Accumulation;
(2) Wealth Preservation; and
(3) Wealth Transition/Transfer.
Although Wealth Accumulation and Preservation is the primary focus of our work, Buttonwood recognizes the importance of an integrated plan designed to take into account Wealth Transition/Transfer to family members, charities, or other unique areas of interest for our clients.
Though Buttonwood is not legally licensed in this area, it is committed to working with estate, trust and income tax-planning professionals to help develop individualized financial transfer strategies for clients. To further this commitment, Buttonwood has close working relationships with several prominent groups of estate and tax-planning lawyers.