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We are laser-focused on your wealth management needs. 

Our team will help you stay the course with a strong financial plan and will strategically manage your investments to help your achieve your most important goals. 

Financial
Planning

Retirement
Planning

Investment
Management

Estate/Legacy
Planning

Life
Insurance

College
Savings

Tax Saving
Strategies

Charitable
Giving

Special Needs
Planning

Business
Retirement Plans

Succession
Planning

Nonprofit
Endowments

The majority of our clients seek advice and assistance on Retirement Planning. Our services include social security optimization strategies, retirement cash flows to show if and when to retire, and what-if scenarios to show whether they should take a monthly pension or a lump sum. We also offer robust services for business clients with their retirement plans.

Here are just a few examples of how we help our clients:
Financial
PlanningInvestment
ManagementStrategic Investment
Management

Financial Planning

We helped a newly divorced client who was under age 59 ½ access significant retirement money without facing the 10% early withdrawal penalty tax.

We helped a husband develop a plan to cover nursing home expenses for his wife who was diagnosed with Alzheimer’s.

We helped a company restructure its retirement plan to better attract and retain top talent.

We helped a non-profit adopt socially responsible investment strategies to make sure that their investment portfolio better aligned with their core values.

Investment Management

Alluvial Cleveland

812 Huron Rd E, Suite 290
Cleveland, OH 44115

440-299-8740

Strategic Investment Management

To help clients maximize the probability of their success, we focus on asset location as well as asset allocation. For example, we place a client’s conservative income investments in a joint account, their moderate total return investments in a traditional IRA, and their aggressive growth investments in a Roth IRA. This creative location strategy is important because we match time horizon and risk tolerance by account to maximize probability of success for client.

We help many clients to use socially responsible investing strategies to help their portfolio better align with their core values. Depending on the clients’ interests, we will find ESG (environment, social and governance) investments that most closely align with their values. After one client heard our recommendation of an ESG investment, she said “now you’re speaking to my heart.”

A full suite of financial and investment solutions from best-in-class providers, tailored to your needs.

Major Life Stages

Yogi Berra said “If you don't know where you are going, you might wind up someplace else.”

You don't want this to happen with your finances. Financial planning is important as you go through life to make sure you are on track to reaching life goals. It's even more important when facing major life events like starting a new career or retiring, having a baby or sending one off to college, getting married or becoming single again.

Our personal approach ensures that we are in tune with the many financial decisions you face before, during and after the major events of your life.

We are always happy to answer your questions along the way. Below are just a few we often address.

R e t i r e m e n t P l a n n i n g S p e c i a l N e e d s P l a n n i n g C o l l e g e P l a n n i n g P r e - R e t i r e m e n t P l a n n i n g E s t a t e P l a n n i n g D i v o r c e P l a n n i n g

Retirement
Planning

  • How much can I safely take from my portfolio each year?
  • When is the optimal time to take Social Security?
  • Should I take my pension as a monthly income or a lump sum?
  • Should I take a monthly pension income based on single life or joint life?

Pre-Retirement
Planning

  • Have I saved enough to retire?
  • Is it better to make my 401k contributions as Roth or Traditional?
  • How do I best cover health care costs if I retire before Medicare eligibility?

Estate
Planning

  • Can I avoid the cost of probate and directly transfer assets to my loved ones?
  • How much life insurance do I really need?
  • My family has a unique situation, how might my estate plan better care for my loved ones?

Special Needs
Planning

  • Who will care for my special needs child after I’m gone?
  • How can I provide for my special needs child without disqualifying them from government benefits?
  • Do I need a special needs trust, or can’t I just give everything to their sibling to take care of my special needs child?

College
Planning

  • What’s the best way to save for my child or grandchild’s future college costs?
  • If the child doesn’t use the funds for college, what can I do with the 529 account?

Divorce
Planning

  • Will I have enough income and assets to cover my expenses?
  • What assets should I ask for in the divorce?
  • Now that I’m divorced, do I really need the life insurance I’ve kept over the years?
Retirement Planning

How much can I safely take from my portfolio each year? When is the optimal time to take Social Security? Should I take my pension as a monthly income or a lump sum? Should I take a monthly pension income based on single life or joint life?

Pre-Retirement Planning

Have I saved enough to retire? Is it better to make my 401k contributions as Roth or Traditional? How do I best cover health care costs if I retire before Medicare eligibility?

Estate Planning

Can I avoid the cost of probate and directly transfer assets to my loved ones? How much life insurance do I really need? My family has a unique situation, how might my estate plan better care for my loved ones?

Special Needs Planning

Who will care for my special needs child after I’m gone? How can I provide for my special needs child without disqualifying them from government benefits? Do I need a special needs trust, or can’t I just give everything to their sibling to take care of my special needs child?

College Planning

What’s the best way to save for my child or grandchild’s future college costs? If the child doesn’t use the funds for college, what can I do with the 529 account?

Divorce Planning

Will I have enough income and assets to cover my expenses? What assets should I ask for in the divorce? Now that I’m divorced, do I really need the life insurance I’ve kept over the years?

Each of these stages – and the many life events in between – call for very personal decision-making, which should be driven by your individual values. But in each case, there are very practical factors that should be considered. As your trusted advisor, with decades of experience, we can provide the objective advice to help you weigh the various options you face.

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