Services
Investment Management
At Arbor, we believe thoughtful investment management is more than picking securities —it’s designing a strategy that’s responsive, tax-aware, and aligned with your life goals. Whether you’re preparing for retirement, navigating a liquidity event, or building multigenerational wealth, we structure portfolios that reflect your time horizon, tolerance for risk, and tax considerations.
Key Attributes of How We Manage Investments:
Tax-Aware Approach
We incorporate strategies such as tax-loss harvesting, efficient asset location (balancing taxable vs. tax-deferred vs. tax-exempt accounts), and using tax-efficient vehicles wherever possible.
Dynamic Rebalancing and Risk Management
We monitor portfolios and market conditions to rebalance when necessary, helping prevent drift away from your investment objectives.
Inflation Protection and Diversification
Portfolios are designed with multiple asset classes, global diversification, and inflation-sensitive investments to help preserve purchasing power over the long run.
Ongoing Oversight
We continuously monitor your holdings, tax events, and the market environment, adjusting as life or conditions change.
We don’t sell products – we manage capital with your best interests in mind. Every strategy is tailored to your situation, reviewed regularly, and communicated transparently.
Financial Planning and Wealth Advisory
Your wealth is more than what’s invested – it’s a combination of your goals, your liabilities, your tax environment, your family, and how you see your legacy. Our financial planning services are built to integrate with investment management, not run separately.
What Comprehensive Planning Looks Like:
Cash Flow and Budget Modeling
We build detailed, forward-looking projections to test “what-if” scenarios – changing careers, retirement, major life events or market swings.
Debt and Liability Management
We help you understand the long term implications of paying down high-interest debt, managing mortgages, and optimizing borrowing decisions considering your goals.
Retirement and Income Planning
Whether you’re just starting or already retired, we map optimal withdrawal sequences, Roth conversions (when beneficial), Social Security timing, and tax-efficient income flows.
Estate Planning and Beneficiary Structuring
We coordinate with estate attorneys and CPAs to ensure wills, trusts, beneficiary designations, and titling of accounts align with your plan.
Risk Management and Insurance Planning
We review your life, disability, liability, and long-term care needs to help you keep your family protected.
Compensation and Equity Planning
For clients with stock options, restricted stocks, executive benefits, or deferred comp, we help you understand trade-offs (timing, diversification, taxes) and build strategies you can live with.
Philanthropy and Gifting Strategies
If charitable giving matters to you, we help structure gifts in tax-efficient ways – gifting appreciated stock, leveraging donor-advised funds, or executing Qualified Charitable Distributions (QCDs) from retirement accounts.
Education and Generational Transition
For clients focused on children or grandchildren, we model 529 plan strategies, lifetime gifting, and generation-skipping tax planning.
Our aim is to give you a unified plan – so you see how every financial decision (tax, investment, estate, compensation) plays together – and remove guesswork and fragmentation.
Let’s Grow Your Financial Future Together.
At Arbor, we help you build steady, lasting financial growth — rooted in clarity, trust, and personal guidance that feels easy to understand.
Let's Talk