Cullington Hill Advisors, Inc. - Registered Investment Advisor

Financial Planning | Investment Planning | Divorce Planning

FINANCIAL PLANNING PROCESS: WEALTH BY DESIGN^sm

Because we look at the big picture, there is no danger that our advice may conflict with your goals and values. Our financial planning process, Wealth by Design^sm, consists of six key components, each essential to help you achieve personal financial success.

1. Discovery Process: Values, Goals and Objectives

2. Tax Planning & Cash Management

3. Retirement Projections & Education Planning

4. Portfolio Review & Investment Planning

5. Risk Management: Insurance and Wealth Protection

6. Estate Planning & Charitable Giving

For our small business owner clients, we also incorporate the strategic business planning component into our Wealth by Design^sm process.

INVESTMENT PLANNING PROCESS

Building and preserving your wealth is best accomplished through the investment management process. We view investing as a long-term process, not a series of short-term disconnected actions. In this area we provide the following services:

1. Characterize your current portfolio with respect to how well its risk and returns match your circumstances, and how well costs have been minimized and diversification optimized.

2. Specify the portfolio appropriate for your goals and circumstances, and the best way to get there, including specific investment purchases and sales.

3. Implement portfolio strategies.

4. Provide access to investments not available to the retail investor.

5. Provide ongoing education about investments, and discuss concerns and questions as they arise.

6. Regularly monitor and rebalance your portfolio, and report performance each quarter.

7. Coordinate investment strategy with tax planning, and suggest specific investment ideas designed to limit tax liability.

DIVORCE PLANNING: COLLABORATIVE MODEL

"Divorce is a problem to be solved, not a battle to be won." - Karen Fagerstrom

The Collaborative Divorce model has been uniquely developed for people who want to have complete control and information about the options available to them and who desire to reduce the confusion and emotional chaos surrounding divorce issues. It is ideal for those who seek to discover alternatives to the "traditional" divorce process, want to minimize the expense of divorce in order to protect the family's financial resources, and wish to increase their children's sense of security through shared parenting during and after the transition.

The Collaborative Divorce process allows both sides to gain the emotional support and skills needed to resolve highly charged issues and also provides individual attention to children and presents them with an opportunity to voice their concerns. This model facilitates gathering and documenting financial information necessary to develop income and expense budgets, thus alleviating the financial worry. It allows the whole team to work together, resolve the differences, and come to an amicable agreement.

The collaborative model is an effort coordinated among several professionals whose objective is to help their clients reach a timely and a cost-effective divorce settlement. The Collaborative Divorce Team-- typically consisting of a divorce coach, a child specialist, a financial advisor, and a family law attorney—addresses the emotional, financial and legal aspects of a divorce.

The Collaborative Divorce model provides the most effective, coordinated and affordable approach to divorce settlement. As a Collaborative Divorce client, you will receive a professional and integrated service tailored to fit your needs in an environment that is positive, safe, and secure.