Holistic Services

You’re probably asking questions like “When do I want to retire?”, “How do I want to spend my time?”, “Do I have enough saved?” or “When should I draw on Social Security?” We can help you bring clarity to your financial picture and chart a course to help you get to where you want to go.

After completing our extensive discovery process to understand your story and your desires for retirement, we combine what you’ve told us with our expertise and experience to translate your vision into a series of actionable financial goals. On your road to retirement, we advise you on your retirement plan contributions and investment strategies to help ensure you’re on track. Using a goals-based investment planning process, our advisors work with you to track your progress so you can make proactive decisions about your future.

With a roadmap in hand, you can move forward confidently when it is finally time to bid farewell to the workforce. You won't have to wonder if your savings will support your retirement dreams and last your lifetime – regardless of whether retirement was your decision, your spouse’s decision or your employer’s decision.

With a deep understanding of your financial goals and what’s important to you, I/we can design a customized investment portfolio that incorporates your values, time horizon and tolerance for risk. And you'll have peace of mind knowing that as your life and the market evolve over time, so will your portfolio.

• Portfolio Management

• Risk Profile Analysis

• Asset Allocation

• Comprehensive Advisory Solutions

• Brokerage Services

With a deep understanding of your financial goals & what’s important to you, we can design a customized investment portfolio that incorporates your values, time horizon, and risk tolerance.

Estate planning is more than completing a living will and filing documents with your attorney. It’s ensuring that the legacy you’ve created helps the people and organizations closest to you reach their dreams even after you’re gone. A thoughtful estate plan lets you pass on your assets the way you want, maximizing the financial benefit to your heirs and providing comfort during a difficult time in their lives. And we has the expertise to make sure your estate plan is working in sync with your larger wealth management plans by helping you:

• Give directly to people and causes that mean the most to you

• Designate someone to make decisions on your behalf in the event you can’t do so yourself

• Maximize your gifts’ benefit and tax efficiency

• Establish trusts without sacrificing flexibility if your circumstances change

• Set up charitable and family foundations

• Ensure that as your life changes, your estate plan stays up-to-date

We can help make sure your estate plan matches your wishes and ensures your legacy.

Making the most out of our clients’ money starts with recognizing all the ways taxes can impact their financial future. Whether they’re focused on their retirement income, a business transaction or the best way to pass on their wealth to their heirs and favorite charities, understanding and efficiently managing any associated taxes are an important part of the process. Our tax planning covers:

• Tax Mitigation

• Tax Return Review

• Tax Deferral Strategies

• Cash Flow and Required Minimum Distribution (RMD) Planning

• Charitable Giving Strategies

• Wealth Transfer Including Trust, Estate, and Gift Tax Planning

• Legislative Updates

While the primary goal in making a charitable gift is to support a worthy cause, there are also tax and financial planning benefits for the donor that should be considered. Charitable giving services offered include:

• Direct Donations and Appreciated Securities

• Qualified Charitable Distributions (QCDs)

• Bunching Strategies

• Donor-Advised Funds

With more students graduating from college with thousands of dollars in student loan debt, funding an education can be one of the most impactful investments you can make. No matter how much time you have before the first tuition payment is due, we can help you plan for funding education in a way that makes the most sense for you and your family.

Through a time-tested planning process, your Baird Financial Advisor can help you understand all the variables at play and create an education plan that mirrors your values.

We offer a variety of services that allow clients to consolidate and simplify their banking and wealth management needs. Cash Management and Lending Services include:

• Cash Management
• Lending
• Liability Planning
• Securities-Based Loans 

Choosing a Medicare plan can be complex and confusing; choosing the wrong plan may have a significant impact on your healthcare costs. Baird has a partnership with ClearMatch Medicare, a part of HealthPlanOne, to guide you through your Medicare options and help you choose and enroll in a plan. As a Baird client, you have unlimited access to a dedicated licensed agent who can guide you from research through enrollment and beyond. We work with those who are early retirees no longer covered by a workplace plan, those approaching age 65, those who have already attained age 65 and now are interested in retiring, and anyone already enrolled interested in a review of current coverage.

If you’re not used to having them, conversations surrounding family wealth can be awkward (at best) and at worst lead to in-fighting and a breakdown in trust. That’s especially true when talking about inheritance: Older generations often question if their kids are ready to grow into their roles as stewards of wealth, and younger generations often let inexperience and a fear of being judged keep them from asking important questions. In partnership with Baird Family Wealth and out advanced planning team we offer strategies to foster communication and to keep misunderstanding from sabotaging these crucial discussions.