As a premier fee only wealth management firm located in Hunt Valley Maryland, we have developed a comprehensive process to help you accomplish your financial goals.
We start with…
We help you organize your thought process by asking you the right questions to find out what’s important to you now and in the future, such as:
- Current spending
- Things you want to do
- Where are you going with your life?
- What’s important to you going down the road?
- What are your life goals and ambitions?
- When do you want to retire?
- How much money will you need in your retirement years?
- Family legacy, estate planning?
Depending on where you are at in your stage of life determines what is a priority.
The sooner you do this the better off you are, you don’t want to wait until it’s too late to achieve your goals.
Comprehensive Financial Planning
– Retirement Planning
Most of us work hard all of our lives to be able to relax and enjoy our retirements. Whether that is spending more time with family, grandchildren, traveling, boating, hobbies, maybe playing some golf or tennis, this is the time to be as stress-free as possible.
Have you considered:
- Will you be able to retire when you want to?
- Will you run out of money?
- What if you live to be 80,90 or older?
- Will you have long-term financial security?
- Will you be able to stay in your home?
- Will you be able to afford long term care (if needed)?
- Is your family legacy protected?
- What happens to your children or grandchildren?
- Are you preserving and protecting your wealth?
We specialize in formal Retirement Planning to enable you to comfortably answer all of these questions and put a plan in place to accommodate all of the “What if’s?”
Having these questions answered with a formal plan in place will remove the worry and replace it with confidence. Being confident that you will never run out of money and knowing how much you can spend, will enable you to enjoy all of the things that your retirement stage of life has to offer.
Calvert Investment Counsel has the experience and track record you can count on to put a secure plan in place so you can put a confident check mark next to each one of the questions above.
– Estate Planning
Do you know what will happen to your property and finances when you die? Have you thought about protecting your assets for your loved ones, so as not to leave the burden on them to figure it out at the last minute (when it might be too late)?
Have you thought about the legal or tax consequences and the effect that they will have on your assets? Do you have the time to stay up to date on all of the constantly changing laws, rules, and regulations?
We work hand-in-hand with your estate planning attorney to integrate an effective estate plan for you, based on your individual and family needs. You can rest assured that your assets will be properly planned for, without the burden having to be placed on your loved ones.
In an increasingly complex and volatile environment, comprehensive investment solutions for both individual and institutional clients require broad diversification and strategic asset allocation.
Calvert’s professional staff has developed an open, flexible Multi-Dimensional Investment Platform that blends their internal management skills with the specialized disciplines and investment capabilities of third party advisors.
– Core Traditional Assets
Our portfolio strategy process begins with the allocation of assets across three major classes: equities, fixed income and alternative investments. The primary endpoint is the achievement of a customized balance between potential risk and return. Client objectives and guidelines are of paramount importance at this stage.
– Mutual Funds
After more than thirty-five years of studying and observing many market cycles, Calvert’s professionals recognize that no single style of stock selection or equity category is a consistent winner.
We also believe that successful investing requires a global perspective. Our Multi-Dimensional equity strategy mandates, therefore, broad diversification by style, size of capitalization, sector and international exposure.
Client portfolios may consist of a combination of individual stocks, active mutual funds or funds employing index or enhanced passive strategies depending upon client needs and desires.
– Alternative Assets
- Hedge Funds
- Real Estate
Qualified investors can benefit from the allocation of a portion of their portfolio assets into alternative investments that have return patterns and risk profiles that do not correlate strongly with traditional stocks and bonds.
Blending in a well diversified mixture of commodity funds, real estate and other alternative assets can enhance our ability to meet a client’s longer-term objectives while potentially reducing the overall volatility of returns.
Accounting & Tax Planning Services
Do you have a separate accountant, estate planning attorney, insurance planner, etc…? Most of us do, but most of us do not have them communicate together to develop 1 plan.
Think about it, each one of these services are very important to your overall wealth management strategy, but if they are not integrated together, how good can your overall strategy be?
We take the extra time (unlike most other wealth managers) to meet with these professionals to make sure that we are all on the same page. This gives you the peace of mind that you have covered all of your bases, integrated them together as one cohesive unit, and have them working together for your best overall benefit.
Do you need a Trust? Should you create a trust now or wait? Should you have it go into effect now, in the future, or wait until you die? Who should you put on the trust?
These are common questions when it comes to Trust Services. Many people don’t think about these aspects until it’s too late and wind up losing money or paying excessive taxes.
We help you get the answers you need to know to create an effective trust strategy that integrates into your overall wealth management plan.
Here at Calvert Investment Counsel we ask the questions that maybe you don’t even know that you should be asking yourself. This will put your mind at ease wondering if you have missed anything that you should be incorporating into your wealth management plan.
How much more enjoyable will your next vacation be after you have gotten all of these things taken care of (one less thing on your mind to worry about).
Do you know if you have adequate insurance? Have you ever had a qualified professional review your current insurance to see if it will integrate with your financial plan and provide adequate coverage?
We act as your financial conscience, thinking and asking the necessary questions for you, to make sure that you have the proper coverage going forward. This is one of those things that you don’t want to wait on until it’s too late.
Do you have children or grandchildren? If so, do you know how you will pay for their education? With the rising costs of primary and secondary private education it is important to put a plan in place as soon as possible.
We help you integrate your goals for education funding into your overall wealth management plan. You will know that you have a plan in place for one of the most important aspects of your children’s or grandchildren’s future.
As human beings we all have an “inner” need to give back. Do you know how much you can comfortably give and not have to worry about running out of money? Are you clear on how you should give the money for estate and/or tax planning purposes?
Doing this right can give you great satisfaction and also protect and preserve your family legacy for years to come. Don’t take the chance of having what should be an enjoyable process become a financial headache.
As integrated minded financial professionals we help you work with all necessary parties (accountants, estate planning attorneys, etc…) to provide the proper “road-map” for you, so that you never have to worry when giving money to any of your chosen causes. This should be a stress-free enjoyable thing to do without having any questions lingering in the back of your mind.
Your Next Step…
Working with a professional wealth management firm in Hunt Valley Md. is key to a successful outcome. Professionals who have experience navigating the financial landscape.
Give us a call today at 410-435-3270 or fill out our online request form to schedule your consultation with one of our advisors.