We believe that every person's financial journey is unique, so we tailor our financial planning to individual needs. Our services cover various financial aspects such as cash flow, investments, employee benefits, college funding, insurance, taxes, estate planning, and charitable gifting. We take a holistic approach, considering both financial and emotional needs. Our aim is to create a strategic game plan to help you achieve your goals despite life's changes.
Insurance policies are valuable to have. However, it's important to stay updated on your coverage and its cost. We simplify your options and ensure you have the right coverage to meet your needs and protect you in the event of a life-altering event.
Change in finances is inevitable, so your portfolio should be prepared to evolve. Our goal is to ensure the highest return on investment, regardless of life's uncertainties. When you entrust us with managing your profile, you can expect us to evaluate performance, modify asset percentages, and keep you on track to meet your goals.
Our investment committee comprises professionals with the Chartered Financial Analyst® (CFA) designation, providing insight into the stock market to craft an investment portfolio uniquely tailored to you. We work with you to identify your objectives, determine your risk tolerance, and design a strategy that aligns with your timeline. We analyze your existing investments and make recommendations based on your specific financial circumstances, educating you on the rationale behind each decision.
* Investment committee members who are making investment decisions are not affiliated with Watershed Wealth Strategies, are investment advisor representatives and registered representatives of CIRA and are not located in the Mobile, AL office location.
Estate planning isn't just for the wealthy. It involves more than just a Will and deciding who gets your property when you pass away. It's about reducing the financial and emotional burden for you and your loved ones. Whether you're creating an estate plan for the first time or updating an existing plan, our professionals can help you create a comprehensive and personalized estate plan that provides you with the financial confidence you deserve. We also offer strategies for estate preservation, tax reduction, and minimizing probate costs to protect you and your family in all circumstances.
Are you looking to lower your tax burden and grow your assets? We can collaborate with your tax preparer or CPA (or recommend one to you) to examine your return for chances to minimize taxes. Additionally, we proactively seek opportunities throughout the year to lessen your tax burden by:
- Rearranging your investment portfolio to generate a higher after-tax return
- Maximizing qualified plan and IRA contributions