Clarity. It changes everything.
Comprehensive
Wealth Management
Knowing that you have a plan for your personal finances and
retirement frees you to pursue your passions. At Avier, we take the
time to listen to your story: to discuss your long-term goals and
concerns to identify strategies specific to your unique wealth
management needs. We focus on bringing you peace of mind and
cultivating a long-lasting relationship built on trust and transparency.
Our comprehensive approach to wealth management incorporates all areas of your financial life into one thorough plan. Based on your unique financial situation and risk tolerance, we integrate your professional and personal objectives into simple yet effective steps. By focusing on where you are in your life, as well as your goals, we are able to identify and anticipate your needs to better serve you.
Whether our clients are just entering the workforce or have been working for a while, planning for retirement is important and vital at any stage in a career. When it comes to saving for retirement, time is your greatest asset. We help establish solid saving and investing habits by maximizing your employer benefits and maintaining a consistent, disciplined investment approach. Instead of relying on emotional, often impulsive decisions, a well-allocated portfolio and consistent contributions provide the foundation for bringing clarity to retirement. We take a proactive stance whether your retirement is far away or right around the corner. We help grow and protect your wealth, diversifying your portfolio across asset classes to reduce unnecessary risk. When the time is appropriate, we help you navigate the complexities of Social Security and other retirement benefits, and determine how they fit into your overall retirement plan.
Decisions about your wealth shape your life and legacy. We identify ways to maximize your investments and develop tax-efficient distribution streams so you can travel the world, buy a second home, make charitable contributions to your community or simply live the lifestyle you want to live. Using proven strategies developed by universities and endowments, we focus on portfolio targets and developing a sustainable spending plan to give you confidence that you are on the path to a successful retirement.
WHO WE ARE
Whether your retirement is decades or days away, we can develop a personalized strategy to help you financially prepare for your future.
WEALTH CREATION
· Saving strategies · Goal setting · Cash flow analysis · Debt management
RETIREMENT IN VIEW
· Risk mitigation · Tax planning
· Social Security analysis · Charitable giving
RETIREMENT HAS ARRIVED
· Wealth preservation· Tax-advantaged distribution strategies
· Legacy planning
DISCOVERY PROCESS
Discover your goals through conversation Identify your needs and objectives
Explore potential partnership and set mutual expectations Review and complete account documents
PLANNING DISCUSSION
Evaluate risk tolerance
Discuss short-term and long-term financial planning needs Begin development of financial plan and portfolio allocation
PLAN IMPLEMENTATION
Deliver financial plan and investment strategy Discuss implementation and responsibilities
Coordinate with outside professionals (CPA, estate attorney, etc.) Set up client portal access
ONGOING MANAGEMENT
Analyze asset allocation Perform portfolio rebalancing Utilize tax-loss harvesting
Systematically review needs and objectives
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WHAT YOU GET
YOUR TEAM
Dedicated team of
highly qualified, credentialed
professionals
Comprehensive
financial planning
low-cost investment
Institutional-based,
solutions
Objective advice
and individually tailored
strategies
Avier is committed to providing the highest level of personalized service. Each client partners with a three-person advisory team consisting of a lead advisor, associate advisor and client service associate. By maintaining a low client-to-advisor ratio, we keep our resources focused on our clients—helping us form deep and lasting relationships.
Portfolio manager
Associate advisor
Coordination with
outside professionals: tax
planning, estate planning
Operations team:
Chief Compliance Officer,
Client Service Associate
CLIENT
INVESTMENT MANAGEMENT
Asset allocation and diversification Institutional class investment options Outside account integration
401(k) review and monitoring Stock option management and concentrated stock options ESPP recommendations
Deferred compensation plan analysis Expanded savings vehicles
Existing annuity and life insurance review
FINANCIAL PLANNING
Retirement planning Social Security analysis Goal setting
Budgeting and cash flow Insurance policy and long-term care review
Philanthropic and legacy planning Real estate and mortgage analysis Company benefits analysis College analysis and 529 planning
TAX AND ESTATE PLANNING
Coordination with tax professionals Tax-efficient investing strategies Tax-loss harvesting
Roth conversion analysis
Coordination with estate planning professionals
SERVICES
ANNUAL FEE SCHEDULE*
As a fee-only fiduciary, Avier Wealth Advisors puts your interests first with our financial planning and investment advisory services. We ensure that your investment strategy is based on your interests, goals and unique financial situation, rather than generating commissions. We do not sell any financial products and only receive compensation directly from you. As a fiduciary, we are required by law to act in your best interest and are fully committed to doing so.
$0–$500,000 1.00%
$500,001–$1,500,000 0.75%
$1,500,001–$5,000,000 0.50%
$5,000,000+ 0.40%
*Billed quarterly. For example, a client with $1,000,000 of investable assets will have a blended fee of 0.875% (first $500,000 billed at 1% and the next $500,000 billed at 0.75%). Minimum annual fee is $5,000.
Clarity. It changes everything.
BELLEVUE OFFICE
10655 NE 4th Street, Suite 508
Bellevue, WA 98004
Phone: (425) 467-1011
Fax: (425) 455-5076
Toll-free: (888) 200-7759 / Email: [email protected] / Web: avieradvisors.com
LAKE OSWEGO OFFICE
4900 Meadows Road, Suite 130 Lake Oswego, OR 97035
Phone: (503) 636-1443
Fax: (425) 455-5076
