Services
Every life transition, while not necessarily requiring drastic changes to an overall long-term strategy, will require a proactive approach to financial planning. Instead of concentrating on only one or two goals, Nicole looks at the larger life goals and fits the financial aspect into the overall wealth strategy.
Personal financial planning
The Sapient Solution Advisors, LLC offers four comprehensive financial plans for individuals and families. Each plan increases in scope and could include asset allocation strategies, investment planning, insurance needs, tax implications and retirement planning. Nicole helps clients realize their financial goals through sound planning, follow through and commitment to her clients' needs.
Small Business financial planning
As a small business owner herself, Nicole knows the level of organization necessary in order to be a success. Nicole sits down with business owners to create a plan that addresses employer-sponsored retirement plans, insurance needs, succession planning and cash management. Though small business owners tend to be the busiest of her clients, Nicole stresses the importance of taking the time to create a plan for success and sustainability. She aides fellow business owners by taking the complication of financial planning off their shoulders.
Divorce financial planning
Nicole helps clients make financial decisions that are in their best interest when drafting a divorce decree. These decisions could include spousal and child support levels, property division and tax implications. Nicole then creates a comprehensive financial plan with her clients that includes both short- and long-term goals for their new lives. These goals could include cash-flow and budgeting, retirement, college savings, insurance and estate planning. Once the divorce process is completed, she helps put the financial plan into action.
Portfolio Management
Not only can The Sapient Solution Advisors, LLC help the client create a sound financial plan, they can also help execute the plan with unbiased, fee-based portfolio management. Through the independent broker/dealer, Associated Securities Corp. (ASC), Nicole's clients have access to top industry research and investment vehicles. Because ASC is independent, there are no proprietary products and no sales quotas or incentives. Nicole can truly choose the right investments that are best for her clients.
With on-going monitoring, Nicole is able to proactively assess her clients' accounts with regard to investment objectives, risk-tolerance and overall market conditions. Most portfolios qualify for fee-based accounts. This means no more unexpected or hidden fees, just one annual fee based on the account value. This way, Nicole's interests are aligned with her clients in that she benefits when her clients' accounts go up.