We tailor every plan to your unique circumstances and values, emphasizing a tax efficient and risk-aware approach to wealth accumulation and distribution. We can help with:
Our portfolio management process includes a customized Investment Policy Statement (IPS) based on your level of comfort with investment risk or loss, as well as your financial goals. This IPS acts as a guide when evaluating your portfolio’s asset allocation, diversification, and strategic rebalancing when the time comes, ensuring we’re always in alignment with your long-term plans. Portfolios are constructed with traditional stock, mutual fund, and exchange traded fund investments. We do not use exotic, illiquid, or overly complicated investment vehicles.
When designing your financial plan, we employ strategies to minimize taxes over your entire lifetime, not one year at a time. We also go to great lengths to keep you apprised on the ever-changing landscape of tax regulation and how you may be impacted. Our planning incorporates:
When planning for retirement, we help you develop a detailed cash flow plan based on your income needs in retirement and the resources available to you.
We also offer investment advisory and consulting services to retirement plan sponsors. As an independent RIA, we do not sell products to plan sponsors or receive commissions. Our revenue comes exclusively from advisory fees charged to the plan or paid by the plan sponsor. This alleviates any conflict of interest and ensures all advice is in the best interest of the plan sponsors and participants.
Canopy serves as a co-fiduciary to plan sponsors under ERISA section 3(21).