Sunrise Advisors

At Sunrise Advisors, we listen. Listening is the key component in producing a financial plan for you. Only after we determine your desired destination can we adequately plan to utilize your resources to make sure you get there.

Accumulation – In preparation for the future, we work together to efficiently save and accumulate assets in taxable accounts, tax-deferred accounts, and emergency funds.

Transition – Changes in the structure or priorities in your life may cause a re-examination of your financial resources. Receiving an inheritance, getting married/divorced, selling a business, changing jobs, planning for college, or others are all examples of transitional moments that could initiate a re-evaluation.

Distribution – Determining the most appropriate, efficient use of your accumulated assets to fund your retirement lifestyle is arguably the most complicated stage. We have a Chartered Retirement Planning Counselor SM and a CERTIFIED FINANCIAL PLANNER™ on staff to guide you through the decision-making process and coordinate these solutions with your other professionals (accountant, attorney).

Legacy – One of the responsibilities of having accumulated some wealth is determining who should be the recipient of its benefits and rewards -- your family, a favorite charity or organization, etc. We work with you and your attorney to develop a gifting or estate plan to reduce your tax liability and ultimately benefit the things that are important to you.

Evaluation – The first step is to evaluate your current financial condition. Together we discuss your preferred lifestyle, objectives, future priorities, and help you understand your risk tolerance.

Analysis – Next, we take a deeper look at your current assets and how we can get them to work efficiently for you. We also examine your employee benefits, risk management coverage, tax-savings strategies, and the effects of transferable wealth.

Development – With the information gathered in the previous steps, we will present our recommendations to you. After you agree upon and completely understand the recommendations, we proceed to the actionable steps.

Implementation – At this point, your plan begins to take shape and your assets are strategically aligned. Implementation may include the reallocation of investments, the development of a trust, a change in tax strategy, or a variety of other moves to position you for the future.

Maintenance – Your plan should be constantly reviewed to ensure your objectives and goals remain up-to-date. Retirement, inheritance, selling a business, or planning for college are all examples of events that may require a review.