Tell Us About You.

If age is just a number, so is income. But that doesn’t mean both aren’t important factors in the construction and management of a sound wealth management plan. Help us better understand who you are, so we can get to work.

Individuals and Families Business Owners Institutions
Your Family

Individuals and Families

If you’re an individual or a couple, and whether you have dependents to consider or not, Evergreen will help you develop a financial plan that’s right for you and your specific circumstances.

Whatever stage of life you’re in — from just starting out, to saving for college, to preparing to enjoy your hard-earned retirement — our team is ready to listen to what matters most to you and help you plan for and reach your goals.

 

What you need to consider. How Evergreen can help.

  • Building a financial foundation that encompasses emergency funds; risk management; and health, disability, life, and property and casualty insurance
  • Maximizing employment retirement plans
  • Personal investment accounts
  • Developing personal and financial goals
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What you need to consider. How Evergreen can help.

  • Married and having children – time to review your risk management
  • Wills, financial POA, health care directives
  • Review beneficiaries on all accounts
  • Review existing goals and consider new ones for the family
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What you need to consider. How Evergreen can help.

  • Review and update wills and estate planning
  • Review your risk management. Your risks change with wealth, age, and life stages
  • Review your goals. Are you on the path to your desired retirement age? What does your retirement look like? Travel? A second home? Pursuing your passions?
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What you need to consider. How Evergreen can help.

  • It’s time to live and enjoy the dreams and goals you established years ago
  • Review your risk management plans — you’re in another life stage, and your risks have changed again
  • Estate and Legacy Planning — Who, what, when — and how will your estate be distrusted to heirs, charities, and benefactors?
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Your Business

Business Owners

Business owners have to weigh out big decisions. That could be everything from starting your business and evaluating how to achieve growth to living your life after you’ve sold or transferred ownership of your business and each step in between. Regardless of where you are on your timeline, Evergreen can help.

We’ve worked with many business owners and understand the challenges you face as well as how we can assist you in growing and protecting your business. We offer financial planning, business exit planning, risk management strategies, life and LTC insurance, and retirement planning, and we assist in the facilitation and implementation of deferred compensation plans for key employees and executives, security-backed personal lines of credit and 529 plans.

 

What you need to consider. How Evergreen can help.

  • Starting a business can be exciting and overwhelming. It’s important to start with a solid business plan and form the correct entities to protect your personal assets and assist in efficient tax management and exit planning — such as an LLC, S or C corporation, or partnership.
  • Creating a shareholder agreement and buy-sell agreement (for partners) that looks out 10-15 years are the beginnings of solid planning and risk management.
  • You also need to consider employee benefits and incentive plans for your key employees to recruit, reward, and retain your people. Surrounding yourself with qualified wealth and insurance advisors now can provide you with a solid start to minimize risks and challenges.
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What you need to consider. How Evergreen can help.

  • Maybe 5, 7 or 10 years in, your business has stabilized and is providing you with a great income and lifestyle. Start-up risks may now be a memory, but new opportunities and challenges arise.
  • How will you continue to grow your business? Do you have a management structure and team that allow you to step away from business to focus on what’s most important to you?
  • Do your children have the desire and skills needed to succeed you? Who are the key employees who have been with you through the rough times? Do you want to incentivize them to stick with you for another 10-20 years?
  • Review your personal balance sheet. Too many business owners pour all their time and money into the business. It’s time to begin building wealth outside of your business.
  • At this point, there are many things to do. Review your estate plan, revise buy-sell agreements, implement key employee compensation plans or improve existing benefits to thank your employees. These are just a few ways to strengthen and protect your business.
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What you need to consider. How Evergreen can help.

  • What’s your exit plan? There are six ways to transfer your business to the next owner. Do you understand your choices and the business valuation methods for each?
  • What are your financial, family and employee goals for your exit? Are you financially ready? Mentally ready?
  • You’ve been in control of your income and lifestyle for most of your life. Who can you trust to manage and protect your wealth?
  • These are emotional decisions and are often the reason business owners avoid planning for the sale of their businesses. We help clients plan their exit strategies well in advance, allowing for a successful transition.
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What you need to consider. How Evergreen can help.

  • What will you do with your time? What are your passions? What lifestyle do you want in retirement?
  • What legacy do you want for your kids?
  • Are there charities you would like to lead or financially support?
  • Business owners’ lives often are consumed by their businesses. The business has defined who they are and the lifestyle they live. The first 1-2 years after the sale are an adjustment for many of our clients. We understand these challenges and are here to guide you in making decisions appropriate for you.
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Your Institution

Institutions

As a Registered Investment Advisor, we know the fiduciary responsibilities that directors, trustees and boards have with the oversight of pensions, endowments, and foundations.

We start by seeking to understand the goals and objectives of your organization, which leads to the development of an investment policy that will serve as the investment guidelines for your advisor. A sound investment policy is one of the core elements needed for those who serve in a fiduciary role.

 

What you need to consider. How Evergreen can help.

  • Meet with trustees/investment committee or board to understand the goals of the organization and objectives of the investment assets.
  • What is the purpose of your organization, and how does this determine the objectives of the investment assets?
  • What are the administrative needs of the organization in managing the assets, contributions, and distributions to the funds?
  • How many accounts will need to be managed? Short-term funds? Long-term funds?
  • How often will the board need to meet with us to review your accounts? Quarterly, semi-annually, or annually?
  • What type of reporting does the board need?
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What you need to consider. How Evergreen can help.

  • What is your organization’s risk tolerance and what is the time horizon on the funds?
  • How many Investment Policy Statements will need to be developed?
  • What types of distributions and contributions will occur?
  • Is income needed? How often? How much?
  • Are there SRI/ESG guidelines to consider? Or specific industries or companies we need to exclude?
  • Are there limitations on certain investment assets such as private equity or alternative investments?
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What you need to consider. How Evergreen can help.

  • Our investment team will develop the portfolio using the guidelines established by the investment policy statement and will implement the portfolio allocation.
  • We’ll work with you to develop a cash flow plan for distributions.
  • Your team will include an advisor, portfolio manager and account administrator.
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What you need to consider. How Evergreen can help.

  • Your portfolio manager will oversee the portfolio and coordinate with your account administrator, communicating with you as needed.
  • Your portfolio manager is part of Evergreen’s Investment Committee, which determines overall allocation and specific investments within the guidelines of the investment policy statement.
  • You’ll have access to your account daily through a secure internet portal.
  • We can provide reporting and statements as needed or on a schedule of your choosing.
  • We’ll have portfolio meetings with you to review performance and discuss investment changes, distributions, contributions, expenses, and fees.
  • We’ll annually review the investment policy statement with you to provide advice regarding any changes you may need or those we recommend.
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