Investment & risk management

The Cooper Meyer Wealth Management Group specializes in providing you with a comprehensive overview of your investment and liquidity needs and risks. We customize and individually manage your investment portfolio to balance the risks associated with your specific situation and goals.

Many advisors use a model portfolio they outsource or hand off to outside managers and don’t specifically control themselves, creating little ability to make individual adjustments tailored for you and your specific needs. With over 30 years’ portfolio management experience, we maintain full control of your investments – designing, managing, and trading portfolios – using tax-free and tax-efficient investments designed to generate greater after-tax yields.

While working with you and your specific investment and risk management portfolio, we can advise on the following items:

• Liquidity management
• Safety of principal
• Allocation to balance risk and growth
• Investment management based on income
• Asset management for new goals of beneficiaries
• Asset management specifically to replace future income

Risk management

Using an executive risk analysis, we pinpoint risks to your long-term goals. Our evaluation considers not only your investment portfolio, but your entire family’s wealth, security, and wellbeing – even beyond estate planning and insurance needs.

Our executive risk analysis underlines potential risks in your current income, portfolio, and company stock options. It also models the impact on your estate plan, the impact from a family perspective, and potential tax pitfalls. We work with you to develop a strategy to help mitigate these risks. Additionally, the process looks comprehensively at your entire balance sheet to understand the impact of short- and long-term debt, highlighting where it can be effective, necessary, or costly.

Portfolio management

We understand that one size does not fit all. Through a multi-step process, we work with our clients to define, develop, implement, and monitor an advisory-based investment management plan. Our process is designed to identify and understand your goals which will become the road map for our investment recommendations.

Invest with Purpose
A portfolio isn’t just a collection of assets, it’s the main vehicle that brings you to your financial goals. We structure and manage your investments so that every feature – liquidity, diversity, and risk – better aligns with your future. We partner with you to build an investment strategy that best supports your goals. There are a variety of different tools we can use to implement your investment plan including mutual funds, exchange traded funds, stock and bonds, and annuities.

Manage Risk Tolerance
We believe that in an uncertain market, managing risk tolerance is one of the best ways to encourage stability. We help you define the risk tolerance that fits with your stage of life and hopes for the future.

Adapt to Life and Market Changes
Life is dynamic – our circumstances and priorities can change, and so does the economy. We remain by your side through every season, helping you review and adapt your portfolio for whatever is on the horizon.

Philanthropic efforts

We know you are passionate about the charities you support and that your legacy plans often include gifting to these organizations. We work with you to realize your goals and can establish donor-advised funds for charities or foundations, while also highlighting any applicable tax benefits.

• Individual & Family Philanthropic Planning
• Foundations
• Donor Advised Funds
• Customized Asset Management for Non-Profit Organizations and Endowments

Planning for business owners

It’s only natural that business owners would want to associate with professionals who understand the challenges and nuances of running a business. We recognize that each business is unique, so we spend time understanding what goals are top of mind for you while building and strengthening your business. We can help address a variety of your needs, such as cash management, retirement and succession planning, asset protection, and employee benefit options. The Cooper Meyer Wealth Management team has consulted with business owners for decades and provides specialized guidance to meet their unique needs. In particular, business owners appreciate our expertise in:

• Cash and Liquidity Strategies
  With most of their net worth invested in their businesses, business owners value our ability to help them manage their liquidity and tax management needs.

• Tax-Qualified Planning including 401(k) and Cash Balance Plans
  Our team partners with Employers/Owners and third-party administrators to ensure your group’s retirement plan is maximizing contributions and staying compliant with IRS rules and regulations. Our team can help manage a cash-balanced plan on your behalf through the following Individual Retirement Accounts and other qualified plans:

• Traditional IRA
• Roth IRA
• SEP
• Defined Benefit Plans
• Defined Contribution Plans
• 401(k) / 403(b)
• Pensions

• Business Succession Strategies
  
  
• Investment Management
  
  
• Risk Management