Suite of Services
For You, Your Family, and Your Goals
At The Sedoric Group, our suite of advisory services is structured to aid clients in achieving both personal fulfillment and financial success. We strive to reduce our clients’ dependence on markets by focusing on the elements of personal finance that can be controlled and ultimately impact outcomes. When you become a client of The Sedoric Group, we are prepared to assist in all of the areas below.
Planning for Life Events
The joys and challenges associated with transitional events (marriage, divorce, career change, having children, retiring, purchasing a home, and saving for higher education) are potential risk factors for financial disruption. With a vested interest in your long-term success, we work diligently to help ensure you’re prepared to meet life’s expected and unexpected transitions.
Preparing for Retirement
We have a variety of tools and resources to help you align your personal desires with your financial circumstances. Our process is designed to help you feel more confident as you face this significant transition, despite all the geopolitical and economic turbulence in our world. Retirement and encore careers are not simply a date on a calendar or dream in abstract —they are well-thought-out plans, practiced and executed incrementally over time. To learn more about retirement planning, download our free guide here.
Coordinating with Your Professionals
Collaboration, coordination, and communication are fundamental in helping improve client outcomes. We help you avoid mistakes by collaborating with your other trusted advisors, including tax and legal professionals. Our goal is to ensure everyone works together toward a unified vision of success, and we refer to this framework as your “virtual family office.”
Strategizing Social Security & Medicare
Integrating resources like Social Security and Medicare into your financial plan can be complicated, and we’re here to guide you. We’ll provide education and information that helps you make the best choices for you and your family, and we’ll work with you to determine the best time to leverage these resources.
Creating Tax Efficient Savings & Distribution Strategies
We’re passionate about efficient wealth creation and distribution strategies because taxes impact financial outcomes, detract from net returns, and are our greatest lifetime expense. Tax management—not just deferral—helps optimize future outcomes. How you save ultimately affects what you’re able to withdraw. That’s why tax efficient accumulation and distribution can be critical to your family’s long-term financial strategy. Learn more through our guide: Tax Efficient Investing and Distribution.
Engaging Family & Conveying Values
Whether discussing a plan to teach your children healthy financial habits or addressing the needs associated with an aging parent or grandparent, we facilitate meaningful conversations to help ensure the people close to you are cared for. We foster financial opportunities, mitigate dysfunctional dynamics, and help transfer sound financial values across generations.
Assessing Emotional Risk Tolerance
There are two types of risk tolerance to consider when building a portfolio: emotional risk and portfolio risk. Emotional risk encompasses your feeling toward volatility, while portfolio risk represents the actual volatility range your portfolio may be exposed to within different market environments. While both types of risk must be addressed, assessing and understanding your emotional tolerance for risk is a critical component of our process, as emotions and behavioral reactions are often one of the primary obstacles standing in the way of long-term success. We help you determine your personal risk tolerance and offer guidance to help you stay on track in the way that works best for you. To learn more about this concept and discover your risk number, click here.
Preserving Your Legacy
For many, the greatest gift is that of giving back. Estate Planning and charitable intent frequently become an important and fulfilling component of one’s comprehensive financial strategy and plan. We can help facilitate tax-efficient estate planning, guidance around specific charitable giving strategies, and more to ensure your wealth is protected and transferred efficiently and that your legacy is everything you hope it to be.
Managing Your Investments
Strategic investing is an important component in reaching your long-term financial goals. As we help you manage your assets, we focus on tax efficiency and develop a cohesive plan that aligns with the other aspects of your financial life. Our goal is to help you stay on track for your vision of success while avoiding unnecessary risks and expenses. Your investment strategy should align with your values as well as further your financial goals. With our diverse range of opportunities, we can discuss various investment strategies as we construct your portfolio, including sustainable investment options for those who are interested.