What to Expect
We appreciate what it took to build your wealth and what it means to you and your family. We take the responsibility of overseeing your assets seriously.
At 44 North Capital, you can expect a clear and structured approach to wealth management. Everyone’s financial journey is unique, which is why we focus on providing personalized, comprehensive strategies tailored to your specific goals and priorities. Here’s a closer look at what it’s like to partner with us:
Complimentary Discovery Meeting
Your journey begins with a no-obligation, complimentary discovery meeting. This is a chance for us to get to know you, understand your financial goals, and identify the specific needs and priorities that matter most to you. Whether you’re planning for retirement, saving for education, or managing existing investments, we’ll listen carefully to ensure we fully understand your objectives.
Customized Financial Plan
With the insights gathered during the discovery phase, we’ll begin creating a strategy that not only addresses your immediate needs but also helps you achieve long-term success. Discover what a comprehensive and customized financial plan looks like when it’s designed for your unique situation.
The CLEARER Vision Framework
Over years of working alongside clients, we developed a process to ensure we’re addressing all aspects of your financial life. Our proven approach, called CLEARER Vision, ensures your wealth strategy leaves no stone unturned. This formal framework helps uncover blind spots and design a plan that aligns with your values, priorities, and long-term aspirations.
A Process Built for you
What is CLEARER Vision?
Control Taxes
In coordination with your tax advisor, we seek to minimize taxes both now and over long-term. Take advantage of tax-efficient investments and tax-planning opportunities such as Roth conversions and tax-deferred retirement vehicles.
Liability Management
We regularly review all liabilities, including home mortgages, home equity lines of credit, revolving credit, auto loans, business loans and securities-based lending. Ensure any debt is used wisely and fits within your overall plan.
Estate Planning
Evaluate strategies to minimize estate tax liability and ensure your assets are transferred to your beneficiaries smoothly and as you intended. We help you identify potential estate planning concerns and coordinate with your attorney to address or update any estate planning documents. We also regularly review beneficiaries, transfer on death designations and powers of attorney regularly.
Asset Management
Ensure all your investment assets are aligned to your specific goals and objectives. Using a disciplined, data-driven process with an emphasis on downside protection, we proactively manage your investment accounts to align with your plan. Whether the focus is on growth, income or preservation, we’ll also advise on held-away assets as needed.
Retirement Planning
Your cashflow needs in retirement is the one expense that cannot be borrowed for. We help evaluate your cashflow needs and optimize a strategy to make that happen with as little risk possible. Regularly review and facilitate contribution and withdrawal rates to ensure your plan stays on track.
Education Planning
Providing for the education of you family is an investment in their future. We help establish a plan that optimizes your savings and evaluate the recently expanded uses of 529 accounts to include secondary education, potential Roth conversion of unused assets and portability to other beneficiaries.
Risk Management
Uncover some of the most common blind spots in financial plans and ensure your family has the protection needed for life’s uncertainties. Evaluate your potential needs for life insurance, long-term care, disability and umbrella coverage and coordinate with insurance specialist to address any potential needs.
Transparent Fiduciaries
What it’s like to work with an advisor that puts you first.
Transparent, fee-based advisory
As a fee-based advisory firm, we operate with complete transparency regarding our fees.
No hidden costs – we don’t charge for planning services or hourly rates for meetings or phone calls. You should feel free to reach out with any updates or questions, big or small. Our pricing is a simply a percentage of assets we manage, and we structure that to lower your rate as your accounts grow.
We don’t receive commissions or compensation from third parties, and we have no incentive to recommend proprietary investment, banking or lending products. Thisstructure allows us to provide advice that is unbiased and centered around your best interests.
You can be confident that the advice we provide is solely focused on what’s best for you.
Fiduciary Reponsibility
We believe your financial advisor should put your interests first. As registered investment advisor (RIA) we are legally and ethically bound to put your interests ahead of our own.
We chose to establish 44 North Capital as an RIA because doing what’s best for you is at the core of our mission.
Whether you’re navigating complex financial decisions or simply seeking guidance on your investments, you can trust that we always have your best interests at heart.
Ongoing Relationship
Our commitment doesn’t end after your plan is created. A long-term relationship with our clients means providing continuous support and advice as your needs and goals evolve. Whether it’s adjusting your investment strategy, reevaluating retirement goals, or planning for unexpected life events, we’re here for you every step of the way.
Where are my investments held?
The safety of your assets is a primary concern. For that reason, we partner with Fidelity Institutional as our institutional custodian where your accounts would be held.
Fidelity is a trusted brand, offering the financial stability, technology safeguards and
resources best positioned to serve you well. In addition to their strong financial position and reputation, Fidelity offers Securities Investor Protection Corporation (SIPC) insurance designed for the protection of client assets.
Committed to You
As a registered investment advisor (RIA), we have a fiduciary obligation to every client. We chose this path because it aligns with our core beliefs. We always put your interests first because doing what’s best for you is at the heart of our mission.