List of Client Services

Investment Management

(for individual, joint, retirement, education, trust, and endowment accounts)

• Develop customized asset allocation parameters based upon your risk/reward assessment, time horizon, goals, and other pertinent circumstances
• Portfolio construction, ongoing maintenance, and rebalancing
• Tax efficient portfolios
• Tax loss harvesting
• Income generation

FINANCIAL PLANNING

we offer our clients an ongoing continuum of comprehensive financial planning services to help them navigate a wide variety of financial and personal challenges. Our services include:

• Fiduciary advice to guide you in making better financial decisions
• Preparing for and transitioning to retirement
• Generating an income stream during retirement
• Navigating major life transitions (birth, death and widowhood, marriage, divorce, career changes)
• Managing the aging process
• Education planning
• Estate planning
• Strategic planning for charitable gifting and philanthropy
• Cash flow analysis and budgeting
• Social Security claiming strategies
• Transitioning wealth to the next generation
• Financial and personal goal setting
• Educating younger family members about finances and wealth
• Creating and drafting your money mission statement
• Unusual employment-related income (severance payments, stock options, restricted stock, liquidation of “phantom stock” rights in private companies)
• Preparing for and managing major liquidity events (inheritance, sale of a business or real estate, asset transfers)
• Risk Management
• Building your trusted team of professional advisors (estate attorney, accountant, insurance, real estate)

Retirement Plans

We work with small and mid-sized businesses to help them offer high-quality and low-cost retirement plans to their employees.

• Retirement plan design and implementation (including 401K, 403B, and cash-balance plans)
• Retirement plan review to ascertain regulatory compliance and competitive effectiveness
• Draft retirement plan investment policy statements
• Selection and ongoing monitoring of the investments offered in retirement plans
• Discretionary management of plan assets
• Retirement plan conversions and takeovers
• Executive benefit plan design
• Provide education and assistance to plan participants
• Connect business owners with creative and well-regarded retirement plan administrators, designers, and custodians

BLBB financial advisors serve on the boards and committees of a number of non-profit organizations in our area, including BLBB Charitable. As a result, they are intimately familiar with the governance and financial challenges these entities may face. We also provide asset management and consulting services to non-profit organizations.

• Develop custom asset allocation parameters
• Investment Policy Statement draft, review and/or update
• Build, manage, and maintain investment portfolios
• Sensitive to your organization’s mission and will manage country, sector, industry, and security exposures accordingly
• Participate in board of directors and investment committee meetings
• Provide training to your board on governance, investment management, and fiduciary responsibilities
• Detailed account reporting
• Advice on best use of assets when your organization has multiple accounts targeted at different needs (e.g., operating and reserve accounts)