Your financial life has a lot of moving parts. We help make sure they're all pulling in the same direction so you can achieve your goals.
Where Your Financial Life Comes Together
At EverPar, one team covers investments, taxes, retirement, estate, and risk under one roof. Every decision we make is informed by everything else going on in your financial life.
In practice, that means:
- Instead of treating your tax, investment, and retirement decisions as separate problems, we look at all three at once.
- Instead of waiting for your annual review, we reach out when market conditions shift, tax laws change, or new opportunities come up.
- Instead of managing your portfolio in isolation, we coordinate with your estate attorney and CPA when it matters.
Financial Planning That Starts With Your Family
Your financial plan should be connected to your goals, your family’s needs, and what you want to build over time. We start every client relationship with a thorough review of where you are and where you want to go, then revisit it regularly as things change.
Questions we help you answer:
- How do all the pieces of my financial life fit together?
- Are we on track to meet our goals as our family grows and changes?
- How do we make sure what we’ve built passes to the next generation the way we intend?
Our Investment Philosophy
We employ a diversified investment strategy built around one goal: optimizing after-tax returns. We do that by combining the efficiency of public markets with selective private investment opportunities that behave differently, provide income, and reduce correlation to market volatility.
Public investments
In taxable accounts, we use direct indexing and systematic tax-loss harvesting to capture broad market exposure while keeping more of what you earn. The goal isn’t to beat the benchmark on paper. It’s to beat it after taxes.
Private investments
98% of EverPar clients hold private investments. Our average allocation across the firm is approximately 25%. We use them for income, growth, diversification, and lower correlation to public markets. This isn’t an add-on for clients who ask for it. It’s part of how we build every portfolio.
Questions we help you answer:
- Am I taking the right amount of risk for what I’m trying to build?
- Should private investments be part of my portfolio, and how much?
- Is my portfolio performing well after taxes?
Tax Planning
Taxes are more than just what happens on April 15. They should be built into every investment decision, every distribution, and every withdrawal. Our in-house planning team, led by a former CFO, integrates tax strategy directly into your financial plan so you keep more of what you earn.
Questions we help you answer:
- What tax strategies could be applicable to my financial situation?
- Are there investment strategies that could be more tax efficient?
- When and how should I be doing Roth conversions?
Retirement Planning
For most EverPar clients, retirement planning is about what to do with what they’ve built. That means figuring out when you can retire and sustain your income, how to pull from your accounts in the right order to keep taxes down, and how decisions like Social Security timing ripple through the rest of your plan. We also work proactively on RMD planning before it becomes a tax problem.
Questions we help you answer:
- When can I retire and meet my goals? Can I support my income needs now and in perpetuity?
- What is the best liquidation strategy (aka withdrawal sequencing) for my situation?
- When do I take Social Security and how does that impact my taxes or other parts of the plan?
- What proactive planning should I do prior to RMD’s beginning? What are QCD’s and why are they important?
Estate Planning
An estate plan that hasn’t been reviewed recently may not reflect where you are today. Tax laws change, families, and goals change. We coordinate with your estate attorney to make sure your documents stay current and aligned with the rest of your financial plan.
Questions we help you answer:
- Does my estate plan still reflect what I actually want?
- Are my beneficiary designations up to date and aligned with my plan?
- How does estate planning connect to the rest of my financial strategy?
Risk and Insurance
A solid financial plan accounts for what could go wrong, not just what you hope goes right. We review your insurance and risk coverage as part of your overall plan, identifying gaps and solutions that protect your income, your assets, and the people who depend on you.
Questions we help you answer:
- What happens to my family if I can’t work?
- Do I have the right coverage, or am I over or under-insured?
- What would a long-term care event do to my financial plan?