How Does DCS Wealth Do It?

Evaluate Investment Portfolios
“We analyze your risk tolerance level.  Then we create an allocation model to match your risk tolerance.  And then we compare your current investments with your available options to determine if you can do better.”

Investment Management
“We meet with you on a continuous basis to monitor your investments compared to your allocation model.  We evaluate your investments and guide you with recommendations when it is time to make a change.  We adjust your strategy to meet changes in your life, goals and concerns.”

Goal Planning
“We collect all the needed ‘hard data’ (the things you have, current cash flow, current savings rate) and your ‘soft data’ (paint the picture of your dreams, what are your concerns, what are your governing values?).  This information is put into our planning software.  The results help us design a strategy to best help you reach your goals.”

College Funding
“First we need to know, is college two years at community college or eight years at Harvard?  Are you paying for it all or will your child pay half the cost just like you did?  We then compute the future cost adjusting for rising education costs at an average of 6 percent per year.  And once we know your goal, we design a strategy to best help you get there.”

Life Insurance Review
“First we have you answer the question, ‘What is the life insurance for?’  We then calculate what the true need is and how long you will need the protection.  We then analyze the insurance you have to determine if you have the right amount of coverage, if it needs to be adjusted or modified, or if you need to change or add policies.”

Tax Strategy Planning
“First we look to see if you are using basic strategies such as contributions to IRAs or employer-sponsored retirement plans.  We can then consult with Dunbar, Cook & Shepard Certified Public Accountants to ensure you are not missing any deductions and your returns are completed properly.  We can then consult on strategies that can reduce your taxes in the future.”

Special Insurance Needs
“Based on your personal situation, we look at your financial needs if you become disabled and cannot work, or if you need long-term care in a nursing facility or at your home.  We can then make recommendations for Disability Insurance or Long-Term Care Insurance.”

Analyze Cash Flow
“We have a Cash Flow Budget Worksheet which will answer the question, ‘Where does the money go?’.  Then we give you the tools and methods so you can spend your money where you want that best incorporates your savings goals and/or debt reduction payments.”

Business Succession Planning
“We help the management and/or owners of businesses work through succession planning scenarios.  We then help them develop a series of plans to manage such events.  And finally, we structure funding mechanisms to complete the plan.”

Estate Planning
“It might start with something as universal as a desire to reduce estate taxes.  Or it may be a very unique need such as a Special Needs Trust for a child who will never be independent.  We understand your goals and wishes.  We understand your financial situation now and in the likely future.  We can then give you the information and details needed to finalize a strategy with an Estate Planning Attorney.”