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Services for Individuals

At Cadeau, our financial professionals provide financial consulting, advisory, and management services - or what we call “Strategic Financial Stewardship” - to high net worth individuals and families. 

Wealth Management

We can help you create an investment portfolio that produces an appropriate diversification based on their objectives and risk tolerance. Professional investment management may provide you access to investments you may not have had otherwise, including a wide variety of traditional and alternative investment classes. We offer:

  • Bonds
  • Stocks
  • Mutual Funds
  • ETFs
  • Government Securities
  • Annuities (Fixed, Indexed, and Variable)
  • Tax Advantaged Investments
  • Non-Traded REITs
  • Separately Managed Accounts

Financial Planning

We help you establish your goals in life, both short and long-term, determine your assets and liabilities, and evaluate your current financial position. We create and implement a strategy, focusing on your needs and objectives. All of our services, from wealth management to estate planning, tie into the overall financial plan we develop.

Retirement Planning

Many of our clients are approaching and preparing to transition into retirement. Having the ability to retire with financial independence and free from financial pressures remains the main issue for clients. We believe it’s critical that a retirement strategy be properly designed, implemented, communicated, and monitored. We can help you address critical questions:

     ➢ How to shift from retirement savings to retirement income;
     ➢ How to estimate monthly income; and
     ➢ How to ensure your wealth lasts throughout your retirement years and leave a
         family legacy.

Estate Planning

Many individuals want to leave a legacy for their family. We can assist with your estate planning needs, including offering insight and appropriate recommendations. Estate planning is critical for ensuring your wishes are carried out. Without a plan, the state will handle the assets according to probate laws and taxes can quickly add up. We can help you identify how you want to pass on your assets, who will receive what, and when and how.

Education Planning

A major concern among families is determining how they will pay for their children’s college expenses while still saving and planning for retirement. We can help you calculate college costs, evaluate funding options, and create an education strategy tailored to your goals. We can also provide insight and advice regarding savings options, including 529s, education savings accounts, and education trusts.

Protection Planning

A key component of financial planning is mitigating risk. Everyone wants to feel secure and having the right insurance may help you feel confident with your financial plan. Regular reviews of insurance policies protecting life, property, health, disability, long-term care, and other programs can ensure against losing income, savings, retirement and even your home. We can evaluate your current risk plans to determine if they adequately meet your needs at whatever stage you are in life.

Charitable Giving Strategies

A charitable gift or bequest can have a significant and beneficial impact on the lives of others. We can help you determine tax-efficient ways to give back to charities, whether it’s a major gift or donation.

Have questions or ready to get started? Contact us for a complimentary consultation.