Purposeful
Financial Planning

Polaris Wealth Advisory Group provides holistic financial planning to help our clients clearly define their specific needs, set realistic and attainable long-term goals, and provides a path to help them reach their goals. We realize a financial plan is a static guide — a snapshot of a specific period of time. This is why we update our financial plans on a regular basis to ensure our clients don't deviate far from their desired path towards their financial goals.
Polaris Wealth Advisory Group provides holistic financial planning to help our clients clearly define their specific needs, set realistic and attainable long-term goals, and provides a path to help them reach their goals. We realize a financial plan is a static guide — a snapshot of a specific period of time. This is why we update our financial plans on a regular basis to ensure our clients don't deviate far from their desired path towards their financial goals.

Our Approach

We take a unique approach to our financial planning. Our first meeting is called a Discovery Meeting. In the meeting, we ask a lot of questions about who you are, where you are, and where you’d like to be in the future. We use this information to create an initial financial plan. The next meeting, called an Investment Plan Meeting, we will show you what you are doing correctly and where you could improve your situation. This includes an evaluation of every holding in your portfolio, estate planning, risk management, and debt management recommendations. If you like what we’ve shown you and see value in what we do, we’d set a Mutual Commitment Meeting to formalize our relationship with you.

We form strong and lasting relationships with our clients. Should you decide to become a client we will meet with you regularly to keep you informed of the changes that have occurred in your portfolio and to the progress you are making towards your goals. We take time in these meetings to hear about your ever-changing life. These ongoing meetings will continue throughout the relationship you have with us.

“If you fail to plan, you are planning to fail!”

— Benjamin Franklin

We listen to you. It’s the only way that we will learn what makes you unique.

You are unique, and you require a different approach from our other clients.

Our recommendations will be specifically tailored to your unique values and goals.

We will implement the financial plan by managing your portfolio in one or more of our proprietary investment strategies.

Financial plans are static… life isn’t. We monitor the markets and manage your portfolio tactically to protect you during difficult markets and to grow your investments in the good times.

We know that you and your goals are going to change over time. We keep you up-to-date with your progress towards your stated financial goals and make changes to the financial plan as your needs and wants evolve.

Every Stage in Your Life

The word “wealth” means something different to each of our clients. A holistic and comprehensive financial plan helps us to understand and guide each client we serve towards their specific and personalized long-term financial goals. Regardless of what stage they are at in their life, we understand that a financial plan and our advice needs to adapt and change over time to remain relevant and pertinent to meet our clients’ ever-evolving needs.

Building Wealth

It is a rare occurrence that we meet with an investor that is satisfied with the amount of wealth they have accumulated. The overwhelming percentage of investors are still looking to build upon their wealth to: 1) get them closer to their financial goal, 2) provide more protection for themselves in retirement, or 3) leave a legacy for their children or grandchildren. A comprehensive financial plan is the foundation to understanding the amount of risk necessary to build the appropriate amount of wealth to accomplish these long-term financial goals.
  • It is important to understand the appropriate portfolio risk to accomplish your financial goals.
  • We manage our clients’ wealth by blending multiple proprietary strategies to meet our clients’ risk tolerance while trying to provide them the portfolio performance necessary to accomplish their long-term financial goals.

Protecting Wealth

Regardless of what stage you are at accumulating wealth, no investor likes to lose money in their portfolio. The closer that an investor is to needing their investment to fund their specific goal, the more important it is to reevaluate how their portfolio is being managed. It is important to rerun your financial plan to ensure your portfolio is properly aligned with the timing of your financial goals.

  • It is very important to reevaluate your financial plan the closer you are to needing your portfolio to fund your financial goals.
  • We rerun our clients’ financial plans every 18 to 24 months. We also rerun our plans whenever a client is experiencing a major change in their life (change of job, kids leaving the house, inheritance, etc.).

Wealth in Retirement

Financial advice and how one manages risk inside portfolios used to fund retirement has changed over the past few decades. In days past, retirement income could be derived purely from bond yields and stock dividends. Our current interest rate environment prohibits most investors from these more traditional strategies. Today, retired investors must balance traditional income sources and skimming profits from growing their portfolio. This puts these investors in much greater risk than those that retired before them.

  • Substantial losses in a portfolio that is being used to supplement income can have disastrous endings.
  • It is far more important to mitigate losses in a portfolio being used for retirement than an investor that is not drawing upon their portfolio.
  • All of Polaris Wealth Advisor Group’s portfolios are managed tactically to balance mitigating risk/losses during down markets and taking advantage of the growth of the market when it affords it.

A Full Array of Financial Planning Services

Trust & Estate
Planning

We work with you and your attorney to make sure your wishes are well designed and executed.

Risk
Management

We work with you and your insurance agent to make sure that you have the most appropriate coverage for each stage in your life.

Debt
Management

We consult with you and your lender to secure the appropriate lending products for your needs.

Business
Planning

We are happy to get involved with your business planning, including activities such as establishing an employer-sponsored retirement plan or succession planning.

Insurance
Planning

Whether discussing life insurance, P&C, Umbrella, or LTC, we will give you unbiased opinions on how to best protect you and your family.

Education
Planning

We will work with you and your family to determine the best way to support your children’s further education while balancing your other financial goals.

Income
Planning

We help clients balance income derived from investments and the growth needed to supplement your needs with what the markets can provide.

Long-term Care
Planning

No one wants to be a burden to their children. We work closely with our clients to develop plans to help them throughout their entire life.

Philanthropic
Planning

Many of our clients are philanthropic. We help them to determine the best way to give their money to charity.

Interested in a second opinion on your current plan?
We are happy to help.

Partner, owner or running a business?
We provide comprehensive Employer-Sponsored Plan Services.