Questions.

Business owners, corporate executives, professionals and families within about twenty years of retirement who want the taxes, the income and the estate documents worked out together. Most of our clients built what they have themselves, by earning a good living and living within their means. No single industry is more than a small slice of the practice.

Ten years out is the sweet spot. You can see the finish line, and there is still time to fix what needs fixing. Twenty years out is even better for the taxes, because the moves that save the most only work while there is time left to make them. Five years out is getting dicey, but it is still worth the call.

Our work is built for the years before retirement, when there is still time to change the outcome. If you have already retired, tell us where things stand on the first call and we will say plainly whether we are the right fit for what you need.

No. About two thirds of our clients are within twenty miles of the office in Stanley, and the rest are all over the country and meet with us by video. The plan, the tax work and the reviews are the same either way.

Do-it-yourselfers, and anyone who would rather argue than decide. Nick will walk through the options and say which one he would take, but the point is to reach a decision, not to win one. And expect to be asked what you actually spend, because nobody spends as little as they think.

The business is usually most of the net worth and the hardest line to value, so it goes into the plan first: what a sale would leave you after tax, how much of your money sits outside the company, this year’s tax bill, and who can get to the money if you cannot. We plan the business and the family’s money together, years before any sale.

Where you stand today, the retirement date and the number it takes, whether you are on track, and the moves to get there: tax moves, an income plan and account changes, scheduled year by year. It covers the investments, the taxes, retirement income, Social Security and Medicare, the insurance and the estate documents, because they only work when they work together.

No. Your CPA prepares the return. We do the tax planning, in October, November and December when there is still time to act: we model this year and the next few, size moves like a Roth conversion to the top of your bracket, and send a short analysis to your CPA for the final say. April should not be a surprise.

Yes. Most people arrive with a mix of accounts collected over decades, so we start by going through what you own, why you own it, and whether it still fits the plan. Some of it stays, some of it changes, and taxes are considered before every sale. We are not here to reinvent the wheel, unless the wheel is square.

We plan for it from the start. The portfolio is built for the plan’s timeline, not the next quarter, it is diversified, and there is cash set aside so a bad year does not decide when you sell. And if you panic, call. Preferably before making any decisions in a cold sweat.

Yes. When to file and how to handle Medicare are two of the most expensive decisions in retirement, and both are tied to your taxes, so we time them with the rest of the plan: the filing age for each of you, the enrollment dates, and the IRMAA income lines and how to stay under them.

The estate review is part of the plan: the will, a trust where it helps, the powers of attorney, the beneficiary designations and the titling, checked so your family can get to the money in weeks instead of months. The documents themselves are prepared through Trust & Will or by your own attorney, whichever fits.

Estate documents are prepared through Trust & Will, a third party not affiliated with LPL Financial.

As math, not a pitch. We start with the coverage you already have, work out what a five-year stay in care would do to the plan, and say whether anything needs to change. Where coverage makes sense, it is sized to the income you would lose and no more.

We start with your life, not your portfolio: your values, your goals, your timeline and your tax bracket are the foundation of the Anchor Process. The tax planning and the estate documents are part of the plan instead of somebody else’s problem, and you hear from Nick before there is a problem, not after.

When providing investment advisory services, we act as a fiduciary; we also offer brokerage services through LPL Financial, which are provided under a different standard of care. Compensation may differ depending on the services provided. If you want to know which standard applies to a piece of the work, ask, and you will get a straight answer.

At LPL Financial, one of the largest independent broker-dealers in the country. St. George Wealth Management does not hold your money. You can see the accounts, the statements and the activity any time through the Client login at the top of this site.

You will hear from us, and not because there is something to sell. Nick checks in every quarter about what is going on in your life, and he calls before a problem instead of after. Expect a full review at least once a year and whenever life changes, and tax planning every fall, when there is still time to act on it.

Nick. Every client works with him directly, from the first call through the reviews. Rachel Melgard, the client service manager, keeps the calendar and the paperwork moving, so when something needs signing or scheduling, you will hear from her.

Your accounts are at LPL Financial and you can see them on a desktop or a phone through the Client login on this site: balances, statements, activity and documents. The plan lives in planning software you can log into too, so you can see the projections and try a change before we talk about it. Most of the rest is a phone call or a meeting with Nick.