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At Stonehaven, we adopt a straightforward yet profound methodology, focusing on comprehending your priorities and the underlying reasons behind them before devising a tailored plan to achieve your goals.
While this approach may seem intuitive, it’s far from commonplace. This commitment to understanding ensures our clients place unwavering trust in their financial strategies.
By starting above the horizon and discovering your values, vision, and goals, you will have the clarity and confidence you need as we create a plan to achieve it.
You have individual experiences and unique hopes and dreams that call for a values-based approach to financial planning. Your core values become the basis for defining your financial philosophy and this serves as a guide in developing your plan.
The starting point for Financial Discovery is to separate two conversations that are often blended into one. Specifically, planning conversations can sometimes move too quickly to solutions, before taking the time to really understand what matters to you, and why it matters.
To address this, we separate the conversations using a concept called The Planning Horizon®. First, we explore what matters and why. Once we do, then we’ll work with you to develop a plan to achieve it.
Elevate your wealth management experience with a values-driven approach. At Stonehaven, we understand that your unique experiences and aspirations demand a tailored Wealth Plan anchored in your core values. This forms the cornerstone of your financial philosophy and serves as a roadmap for your success.
Of course, our role with clients goes beyond just providing expert guidance in the creation of your Wealth Plan. When we work with you during a financial planning engagement, we follow the fiduciary standard which means that we act in your best interest and put your interests ahead of ours. We’ll also help you implement your plan through a combination of innovative investment and insurance solutions, working in conjunction with your current professionals, and when necessary, assist in finding specialists to complement our collective efforts.
Making great decisions about your wealth, whether you are deciding to grow it, protect it, or both, starts with sound thinking: thinking that makes sense. Here’s how our thinking starts when it comes to helping you make important financial decisions.
With financial independence, family legacy and social capital solutions in place, wealth optimization becomes the focus of the planning process. We use a unique and disciplined values-based approach to help you make wise choices and to help ensure that your plan is focusing on what you value.
We break the planning process into four quadrants or phases, each one representing one planning cycle: Discovery, Creative Solutions, Strategy Deployment, and Results Management.
Working with a knowledgeable and experienced planner who has access to current technologies and a thorough understanding of tax rules and financial planning techniques is important. Working with an advisor who takes the time to understand your unique desires and goals is critical.
We will take the time to help you make that assessment, develop a plan that works for you, and provide you with the tools and strategies necessary to successfully implement the plan.
The planning process is driven by three intrinsic objectives:
Your plan should maintain your desired lifestyle and protect your financial security, transfer what you have to whom you want, when you want and how you want, and allow you to choose between charitable or tax dollars.
We all start at birth. This begins the wealth accumulation phase of life. During this phase, we are financially dependent. Initially, we are dependent upon our parents. As we become young adults, our dependence shifts to ourselves, and our ability to generate wealth through employment earnings or building a business. The focus of this phase is wealth accumulation. For most of us, during the Financial Dependence stage, we must work for money – to generate the desired lifestyle and protect our financial security.
The second line illustrates the point where you achieve Financial Independence; when your financial resources are sufficient to support your lifestyle and protect your financial security. At this point, your money begins to work for you, and you have the freedom to buy back your time to create the calendar you desire. Once Financial Independence is achieved, the rules of the game change. With regard to your financial independence, the objective becomes defendable growth. Protect the base and limit the risk.
The dotted line makes the boundary between independence and transcendence. This is our final opportunity to apply our wealth creatively and effectively for the benefit of others. It is where our financial resources transcend ourselves and are used for the benefit of our heirs or society at large. Family Legacy is where you allocate resources to your heirs. Social Capital Legacy, traditionally thought of as philanthropy, is where you allocate resources to benefit others.
Every dollar accumulated above your financial independence goal is essentially unproductive unless used to accomplish a meaningful goal. We refer to these dollars as Excess Wealth. There are four potential uses for excess wealth:
Our objective is to help our clients create and effectively deploy excess wealth in a manner that accomplishes their greatest goals, dreams, and desires.
At Stonhaven, we specialize in providing comprehensive, personalized wealth management services tailored to meet the unique needs of multi-generational families. As an independent multi-family office, our sole priority is protecting and growing your family’s legacy with strategies that reflect your values and long-term goals.
Thoughtfully constructed portfolios designed to diversify and optimize returns based on your family’s risk tolerance and aspirations.
Holistic planning focused on preserving and growing wealth for future generations, ensuring your family’s success and stability for years to come.
Sophisticated tax strategies to reduce liabilities and maximize wealth through efficient, forward-thinking planning.
Seamless, structured assistance with wills, trusts, and legacy planning to ensure your wealth is transferred smoothly and efficiently to future generations.
Expert guidance on charitable giving, helping you set up family foundations and align philanthropic efforts with your family’s values.
Tailored strategies to establish clear roles, responsibilities, and governance structures within your family, alongside expert business advisory services to ensure continued success across your enterprises.
Customized programs to educate and prepare future generations for the responsibilities of wealth management, helping them preserve your family’s values and vision.
Our commitment to objectivity, discretion, and world-class service ensures that your wealth management is in the hands of trusted advisors. Discover the freedom and peace of mind that come with having a dedicated partner aligned with your family’s financial and personal goals.
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