Services

To provide you true Independence, we take a look at your life beyond your investment accounts. Our goal is to coordinate with all of your advisors to ensure everyone on your team is on the same page. As an Independence by Convergent™ client, you get our objective advice as well as the collective wisdom of all of our client’s advisors. 

Estate Planning

Simple estate planning can be more important than great portfolio management. Therefore, we encourage our clients to have a proper estate plan in place. Depending on your specific situation, we can help educate you on the issues you need to consider so you are prepared when you meet with your attorney. We stay current as laws change to make sure we can help clients capture every planning opportunity. If you need an attorney, we can provide you with references for those who have expertise in working with clients like you.  

Tax Planning

We are interested in maximizing your bottom line, which means helping you minimize taxes. Your tax situation has a direct impact on how your portfolio should be invested, which is why we work closely with your accountant to make sure the portfolio is invested appropriately and to make sure you execute all the appropriate tax saving strategies.

Insurance

Having insurance for the unexpected is important to remaining independent. We can help ensure your coverage is evaluated by expert, objective firms o identify any gaps or cost-savings opportunities. We can also help you choose a firm we believe will provide you with both outstanding service and competitive prices.

Lending

Your real estate holdings may make up a sizeable portion of your assets, and your mortgages may represent a sizeable portion of your liabilities. We watch borrowing rates closely and can provide you with information that can help you minimize your costs and own your real estate sooner. In addition, we have negotiated favorable margin borrowing rates that may replace your mortgage or help you with short-term liquidity issues.

College Funding

If you have children, you know the cost of their education has generally gone up faster than inflation and is projected to continue to do so. If this is a concern for you, we can help you identify how to efficiently plan for rising tuition costs by taking into consideration the various options existing today.