Our Services

Tax Reduction Strategies can help decide which investments can give you the best return on your investment 'after taxes" now, in the future.

Understanding how money works and how the risks of inflation and taxes affect your assets is crucial for your financial future. Perhaps one of the least understood risks clients face is taxes; not all strategies will be right for them but with forward-looking tax planning by an Ascent Wealth Management Financial Advisor will help ensure that all the right steps are taken.

Protect your future needs. It is essential you plan for your retirement. Creating a tax-free stream of income is a powerful retirement tool.

No matter where you are in the retirement planning process, we can help you get a clearer picture of where you stand and where you're headed.

Every step of the way we can help clarify your financial goals, monitor your progress and provide objective guidance as your situation and priorities change to maximize your retirement goals and income. We’ll also help you to understand which of your assets are best spent first in retirement and the associated tax consequences.

Put our expertise to work for you in safekeeping your assets. Protecting your assets from exposure to loss is an integral part of accumulating wealth and keeping it. True asset protection incorporates many aspects of a comprehensive financial plan. There are numerous strategies and vehicles available to assist you in protecting your wealth. No one instrument will do everything. Instead, a comprehensive plan based on your circumstances and needs will produce the best results.

There is a way, to protect your assets from potential future liabilities. Review your assets and potential risk exposures with one of our financial advisors today, a good starting point for this type planning.

Helping people use life insurance to help secure their futures and those of their families.

Nobody expects the unexpected, but it happens every day and everything you’ve worked so hard to achieve can be lost. The good news is that with proper planning you can provide financial security for your family.

Life insurance helps protect your loved ones and is an essential part of a sound financial plan. Should something unexpected happen to you, it can help:

• Replace your income
• Pay off a mortgage or other debts
• Pay funeral and final expenses
• Preserve your legacy by helping to pay estate taxes

A comprehensive suite of investment management solutions backed by strategic research and analysis.

A balance portfolio takes thought and preparation, but that is not usually how it gets put together. At Ascent Wealth Management our strategic approaches and solutions are designed to target solid returns and provide low downside risk, so that you can feel confident in your investments.

Helping to ensure your legacy. You have spent a considerable amount of time building wealth over a lifetime, for some over several lifetimes. While wealth provides security, it also provides choices. Managing the transfer of that wealth to others can be a complex and confusing process.

Your Ascent Wealth Management financial advisor will provide financial expertise as a member of your estate planning team that may include your accountant, attorney and trust officer, if applicable. We can help you develop an estate plan for transferring your estate in a tax-efficient manner - in a way that empowers your heirs and preserves your legacy.

We encourage you to think about the future. Together we can anticipate your investment needs and those of the generations to come.

Real estate investing can be a daunting task.

Knowing when to get into an investment and when to get out is an important key to success.

REITs offer the potential for high yields, simplified tax issues, liquidity, and diversification. Drawbacks include a tendency for shares to lose value when demand rises for other high-yield assets such as U.S. Treasury bonds, and the potential for high property tax costs.

We can help you in identifying investment opportunities, determining what portion of your portfolio to invest in REITs and what types of REITs best suit your financial goals and risk tolerance.

Disclosure: A Real Estate Investment Trust (REIT) invests in and owns properties.  Investments in REITs are subject to the inherent risks of direct investment in real estate such as price fluctuation, liquidity, and concentration risks. Special risks associated with investing in real estate also include the possibility of declining real estate values, the possible lack of availability of mortgage funds, and changes in interest rates. An investment in a RElT involves a high degree of risk. Investors should purchase shares only if they can afford a complete loss of their investment. Investing in these investments is speculative, not suitable for all clients, and intended for experienced and sophisticated investors who are willing to bear the high economic risks of the investments.

You can’t choose your family, but can choose your financial planner.

One of the great things of being in charge of your money is choosing who will help you manage it. But, picking an advisor is not as easy as it might seem. You really want to know they're in it for your best interests.

1. A good financial advisor should spend at least an hour learning about your full financial picture before recommending any specific investments. It's a red flag if he or she keeps trying to sell you a financial service regardless of how well it suits you, this person's values are probably not aligned with yours.

2. A good financial advisor will take the time and patience to explain things to you in a way that you will understand regarding his or her recommendations? It's a red flag if you don't understand your investments, especially if your advisor isn't able or willing to explain them when asked.

3. It’s always a good idea to work with someone who has the CFP® designation, which is considered the "gold standard" in the industry. To get the CFP® credential, they must have a college degree and be educated in a wide range of personal finance subjects, pass a two-day exam, have at least three years experience, meet continuing-education requirements and abide by a code of ethics.

4. The right financial advisor doesn't have a financial interest in the entity that uses your account, which prevents the advisor from having direct custody of your assets and adds another level of security for your account. If he or she is the investment advisor, broker-dealer, clearing agent and custodian for all of their client accounts –— it is a big red flag.

At the end of your meeting, ask yourself the most important gut check question: Do I like this person? After all, you are about to enter into an intimate relationship that will hopefully last a long time.