Wealth Management for Individuals
Your Savings Are Personal to You.
Which Makes Them Personal to Us.
Nothing is more personal than money. Most of your life is guided by it in some form, so when it comes time to enter the next stage of your life and trust in the power of your retirement savings, it takes a new mentality. That’s why we like to be on hand for milestones and the day to day. We want you to feel the peace of mind that comes from financial freedom – that’s why we focus on security, income and growth, in that order, so that you can enjoy what comes next.
Embark On Your Next Journey
Retirement isn’t an endpoint. There are many firsts and new milestones ahead and we are here for guidance at every step. Click to navigate through the big questions coming up in your next financial stage.
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WHAT legacy do I want to leave?
Your legacy defines how you want to be remembered. For many of our clients, it is shaped around what matters most to them. The impact they want to make within their own family, a lasting contribution to their community, a greater push for the cause they champion. No matter what, we are here to help you leave behind a contribution with meaning.
WHEN will I be able to retire? What can I do now to ensure I’ll have the lifestyle that I want?
To figure out your realistic retirement timeline, we need to get on the same page about your next-stage essentials. Beyond your current income sources and savings and how long you plan on working, we want to know how you picture your future lifestyle – which can be tricky to define before it actually starts. Some clients want to live more simply while others want to begin a new, big stage. Some seek stability while others crave change. Whichever way you lean, we are here with guidance and support so that you are covered when it’s your time to take the next step.
HOW can I provide support for my aging parents?
The unknowns and potential costs of support for your parents can be daunting. So, before drafting the plan for your investment, we want to know what your current household looks like and your concerns around getting everyone covered and comfortable, in every scenario. One way we do that is working to ensure your investment produces steady and generous income, for the long term. With our rising dividend approach, we generate reliable results while still prioritizing security, so you can adapt to and find peace of mind in any given situation.
WHAT will daily retirement life look like for me? How will I spend my time?
Before we finalize your plan, we want a look into how you envision your future day-to-day life. We’re not looking into how you will spend your money, but what you will do with your time. We want to know your expectations from the get-go, so we can plan accordingly, and help you get in the right mindset too. Are there things you haven’t been able to do? Will you take on a second career? Whichever path you take, we work so that you are able to live at ease in your next stage, confident your investment will support you.
WHO can help me navigate the questions I have about Social Security, Medicare and income tax decisions in retirement?
When figuring out the perfect time to draw benefits and make decisions that have long-term effects, there’s a lot to consider. And it’s not usually as straightforward as determining if you are the right age or in the optimal tax bracket. At Donaldson, we are your guide through this process, which includes access to our expert partners and tools. With our in-depth knowledge of your goals and aspirations, we provide personal recommendations for each step you face on your journey.
WHEN is the best time to involve my adult children in my finances?
Family and finances are two of the most personal things in life. And mixing them isn’t the easiest thing to manage on your own. So, when you feel ready to bring the rest of your family into your financial life, we are here to help you anticipate and prepare for any turn that conversation may take. We’ll help you craft clear financial priorities, values and objectives, so you feel confident in the future direction of your finances and your family.
HOW can I help with education costs for my loved ones?
A lot of our clients hope their financial legacy will include supporting education costs for those they care about most. Whether it’s partially or fully funded, we work so your investment is in the best position to produce income, reliably and generously, so you can monetarily invest in their future on your own terms.
WHAT’S going to happen to my assets after I’m gone?
When working out the details of your beneficiaries and your assets, we like to go over them enough times that you can’t help but feel assured everything will be taken care of. We understand this can be a difficult and sensitive topic, but when we do our job right, it will be facilitated with as much ease and simplicity as possible. Whether that means working with your healthcare representatives, recommending an estate attorney to your family or just being a go-to resource for your loved ones, we are here for you through it all.
The Donaldson Way
When it comes to retirement planning, we take the long view for our clients. In your next stage of life, many new paths will emerge, and we work to ensure that, in each, you feel financially secure. By founding our investment strategy on a dividend-based approach, we pursue security, income and growth in every financial climate. Working together, we seek to produce steady, reliable results for the long term, so you can set your sights on whatever path you choose.
What It’s Like Working With Us
As your partner, we are with you through every retirement milestone. Here’s what you can expect as you start your journey with us.
You have to know where you’ve been to know where you’re going. And we don’t just mean a look through your bank statements. We want to understand where you are—mentally, physically and emotionally—in your life and your financial life, as well as your outlook on retirement.
We’ll talk about things like:
- What does retirement mean to you?
- How far off does retirement feel?
- Is your significant other also retiring?
- Do you still have children at home?
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When we do our job right, the only thing you need to figure out in retirement is how you want to spend your time. By talking through how you view your future day-to-day life, realistically and aspirationally, we can plan for your time in a way that makes sense for you.
- Do you want to stop working or is retirement about a career change?
- What do you envision you will be doing at 2 p.m. on a typical Wednesday?
- How will your relationship with your partner and/or family change?
- What dreams will you make a reality in the next 10, 20, 30 years?
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Pen to Paper
Once we have a firm grasp on where you’ve been and where you want to go, it’s time for us to get to work. We’ll make every effort to help you feel covered and comfortable for every new milestone and fresh start. And once we agree on the right plan for you, it is by no means the end of the road. We will be on hand for feedback, adjustments, evaluations and anything you may need all along the way.
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Questions To Ask An Advisor