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What we do

Financial Planning

Financial planning for high-net-worth families coordinates investments, taxes, retirement, education funding, insurance and estate plans into one strategy that is updated as life changes. Commons Capital builds and maintains that plan alongside your portfolio, working with your CPA and attorney so a decision in one area accounts for the others.

Who it's for

Families and individuals whose finances have outgrown simple answers: business owners, executives with equity compensation, retirees drawing income from several sources, and families planning for the next generation.

What your plan covers

  • Cash flow and retirement income: how much you can spend, from which accounts, and in what order.
  • Tax planning: timing income, gains and deductions across years. We coordinate with your CPA; we don't prepare tax returns.
  • Education funding: 529 plans and other ways to pay for school.
  • Equity compensation and business events: stock options, RSUs and the sale of a business.
  • Insurance review: life, disability and liability coverage checked against your plan.
  • Estate and gifting: coordinated with your attorney through our trust and estate planning work.

How we work

Planning starts in discovery, where we gather your statements, documents and goals and put an Investment Policy Statement in place. We present a plan, then revisit it at least once a year and whenever something important changes: a new job, a sale, a marriage, a death in the family.

Common questions

Is financial planning separate from investment management?

For our clients the two work together. The plan sets the targets; the portfolio is managed to meet them.

Do you prepare tax returns?

No. We plan around taxes and work directly with your CPA, who prepares and files your returns.

Further reading

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