Wealth Management
A sound wealth strategy considers every part of your financial life today and in the future. At DLC, we take a team-based approach to help you make informed decisions, manage risk, and plan with confidence.
We’ve spent the last 40 years guiding individuals, families, and institutions through market shifts, economic downturns, and life transitions. As fiduciaries, we’re committed to objective advice and a standard of care you can rely on.
Our wealth management service includes:
- Comprehensive financial planning that brings together retirement strategy, estate planning, and employer-sponsored plan guidance. You can learn more about these services below.
- Risk management with an emphasis on downside protection.
- Tax-aware investing, including strategies like tax-loss harvesting.
- Multi-generational planning that supports long-term goals and values.
- Values-aligned investment strategies (otherwise known as ESG - environmentally, socially, and globally responsible investing).
Everything we do is designed to give you clarity and control so you can move forward with confidence.
Retirement Planning
As fiduciaries, we strive to act solely in your best interests by building strategies that are tailored to your goals for your remaining working years and on through retirement. Let’s work together to design a future that’s both financially sound and personally meaningful.
We offer:
- Accumulation Road Mapping: It’s never too early to start building your wealth. For those in the early stages of retirement planning, we provide comprehensive financial planning advice to help set you up for the years ahead.
- Savings & Investment Guidance: We build personalized savings and investment strategies with your needs and interests at the center. How much to save? How to invest? Which things take priority? Whatever your needs, we can guide you through it all.
- Retirement Goal Setting: What does your ideal retirement look like? Everyone’s picture is different. Will you travel? Work part-time? Volunteer? Take up ceramics? In any iteration of your retirement dream, we’re here to support the vision and help you live out your golden years with purpose.
- Cash Flow & Income Planning: We create strategies for how to turn your assets into income you can rely on. Coordinating Social Security benefits, pensions, Required Minimum Distributions, and inherited wealth can be cumbersome. We’ll work closely in designing and implementing your retirement income plan.
- Healthcare & Longevity Planning: “Live long and prosper,” whatever that phrase’s origin, is our wish for ourselves, our families, our friends, and, of course, our clients. One key to achieving that end is understanding how assets can be protected through a dizzying array of products and strategies. We work with you to craft custom solutions fit to your situation and needs.
Bright futures start in the present. Connect with us to build a plan now.
Employer-Sponsored Plans
We take pride in offering a comprehensive range of fee-based consulting services to plan sponsors and other fiduciaries of pension, profit sharing and 401(k), 403(b), 457 and Taft-Hartley retirement plans, as well as to foundations, endowments and trusts.
We work closely with every employer client seeking objective, transparent guidance and advice in managing your funding obligations, establishing appropriate employee engagement and investment goals, controlling costs and improving overall plan performance.
We create specialized retirement plan experiences for employers and employees by covering the full range of services you require as a plan sponsor, including:
- Plan Design Review & Assistance
- Independent Plan Benchmarking and RFP Service Assistance
- Assist with Investment Review & Due Diligence, Analyzing & Monitoring Investment Selections
- Fiduciary Practices Review & Assessment
- Participant Communications, Education & Investment Advice
When you work with Dietz & Lynch Capital, we serve as your Chief Retirement Officer and as an investment fiduciary for your company retirement plan.
Our thorough approach helps you in your quest to gain more value for every dollar spent on benefits, improve employee satisfaction and reduce costs.
- Participant advice is provided through a separate agreement from retirement plan consulting services.
Estate Planning
Our team, along with LPL Financial’s estate and financial planning professionals, are here to assist and guide you through the Estate Planning process. Knowing what questions to ask and finding the right legal and tax professionals to work with is crucial to your success. Consider just a few:
- Legacy Planning: What kind of legacy do you hope to leave behind? For family? Community? Charitable causes? By helping you clarify your wishes you can feel confident your wishes and hopes are understood.
- Trust & Will Coordination: Are your beneficiaries properly positioned to avoid the costly and protracted probate process? The trust landscape is dense: Revocable? Irrevocable? QTIP? ILIT? QPRT? It can feel overwhelming. Our team can help develop a comprehensive plan that can provide a framework in working with your Estate and/or Elder Law Attorney to streamline the estate planning process.
- Asset protection: What is your plan in the event that you or a family member requires long-term care? Are your assets properly positioned to shield and protect them from creditors? Have you received the most up-to-date information on the rapidly evolving long-term care (LTC) and guaranteed lifetime income options?
- Tax-Aware Strategies: Understanding estate and gift tax rules that apply to your unique situation is essential. While we are not tax advisors, we can help you to ask the right questions of your tax professional. Together we can explore your options in planning for the efficient and responsible transfer of assets.