Building, Living and Giving

Building, Living and Giving is HA&W Wealth’s platform for life phase management. Building, Living and Giving represent three distinct life phases. As our clients progress through these phases, they face a wide range of life decisions. HA&W Wealth advisors guide them through the process, applying a systematic, problem-solving methodology that is backed by a wealth of information resources and business acumen. HA&W Wealth helps clients make sound decisions about both the family business and personal affairs.

The Building phase involves the accumulation and preservation of assets. It is often characterized by a young entrepreneur who is creating new wealth by building a successful business. Budgeting, business planning and employee benefits are examples of challenges facing the business owner in this life phase. Personal issues might include a growing family with substantial education costs, or the feasibility of purchasing a second home. Your HA&W Wealth advisor provides the assistance of a financial expert – whether you just need a sounding board or you are ready to see the projected numbers.

Another common scenario in the Building phase is the family member who has recently inherited wealth, but is overwhelmed by the responsibility of its preservation. Keeping one eye on the client’s personal risk profile, a HA&W Wealth advisor provides recommendations.

Characterized by the mature business executive whose children have nearly finished college, the Living phase may involve pursuing wealth-building opportunities. Typically, the Living phase provides more time to enjoy the fruits of your labor, when lifestyle issues move to the fore. HA&W Wealth provides solutions to dilemmas as varied as liquidity, taxes and risk management.

The Giving phase is dominated by those who are about to retire. In this phase, clients often need to develop plans to exit the family business without becoming a drain on capital. Many are intent on developing a succession plan for the family business. And, they want to leave their marks in the community, either by creating a personal foundation or through charitable giving. Whatever your needs may be, your HA&W Wealth advisor is ready to help you consider the options – always mindful of helping you achieve your goals in a fiscally efficient manner.