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Your financial complexity is Medium to High.
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FAMILY & EDUCATION
Every family has different priorities.
Families are a source of joy and fulfillment in your life. But they also require thoughtful planning to get in front of future concerns.
Educating your kids can represent one of your biggest financial commitments. Where you live can have a significant impact in terms of decision to go public or private. This in turn influences decisions around real estate, one of your most significant investments and sources of wealth generation. Having a clear philosophy is the first key to building an effective strategy. There are many aspects of caring for your family outside of the education of your kids. Aging parents and caring for other family members are important considerations to build into your planning. And how do you think and plan for passing on your wealth? We strive to bring clarity and action from complexity and uncertainty. There is no ‘right or wrong’ in your objectives. But we bring forth these conversations, helping you define what matters, and creating a clear path to reach your objectives.
You’ve got stock comp. So what does that mean exactly?
Congratulations on earning stock-based compensation as part of your overall package but be mindful of common missteps that we often see employees in similar situations make.
First, it sounds simple but be sure to acknowledge stock awards as part of your compensation. People often view this component differently from their paychecks, which can lead to suboptimal decision making. Second, think about concentration risk holistically, not just through company stock, but also in terms of your employment and real estate. Finally, manage the emotional aspects of stock compensation and recognize that believing in your company and mitigating risk don’t need to be mutually exclusive. At Opes, we have a range of capabilities to help you analyze plan specifics, develop a diversification approach, manage associated taxes, and mitigate concentration risk in the meantime.
VALUES & IMPACT: ENVIRONMENTAL, SOCIAL, AND GOVERNANCE INVESTING (ESG)
You want your money to work for you, but also support your values.
We help you create better alignment between your investments and what you feel is important in your life.
There are many potential pitfalls to avoid in environmental, social, and governance (ESG) investing. For example, we favor incorporating forward-thinking fossil fuel companies in portfolios since excluding entire sectors can result in a growth bias for individuals who are already overexposed to growth through a combination of their human capital, compensation, and real estate. At the same time, rigorous third-party metrics are needed to verify that true ESG improvement is being generated, rather than risk “greenwashing” by selecting funds based on labels alone. At Opes, we’re dedicated to monitoring the latest developments in this rapidly evolving space to design a portfolio for you that incorporates both our investment views and your preferences using cutting-edge analytical tools and technology.
You’re great at what you do. We’re great at managing your investments.
We will understand and incorporate the unique aspects of your exposure across all of your assets, when constructing your investment portfolio. We embrace modern portfolio theory as a means of increasing risk adjusted returns for our clients.
Our clients tend to live in high risk/high return geographies whose prospects are closely tied to the technology sector, and we incorporate this into investment strategies via diversification and tilts toward value.
We see the reality and challenge of managing risk and generating income in a low interest rate environment and therefore strategically incorporate investments outside of the traditional stock/bond framework to increase your financial potential.
Real estate is one of the largest investable asset types in the world.
It is also an investment used as a place to live for the majority of adult Americans. Based upon our location in the Bay Area, and our past shared ownership with a mortgage bank, we pay special attention to the role of real estate in our clients' lives.
If you made it this far, you probably have real estate in your portfolio. For many homeowners in the highest-cost cities in America, the value of their home is multiples higher than the average U.S. home value. Sometimes that may be due to the size or quality of the home, yet frequently a modest home might be worth seven figures in these high cost areas. Owning such highly valuable real estate in a high cost area then brings forth all sorts of questions to consider. After no longer generating earned income, can you generate enough cash flow from your assets to stay in your home? How many of your friends are located near your home, and what are their plans? If you need to move at some point in the future, do you coordinate the location based on adult children, friends, or some other criteria?
SO WHAT’S NEXT?
We’re hoping the results of this assessment have provided you some value and given you some questions to ponder.
If you’d like to explore how Opes Wealth can help you design YOUR future, contact us using the info below and let’s schedule a strategy session. On this introductory call we’ll establish a high-level understanding of your situation; where you are in your life, career and what your overall goals and concerns are. We’ll mutually determine if there is a good fit and if so, set up a second strategy meeting to dig deeper into your details before scheduling our recommendations meeting.