Wealth Management Services

Financial Planning

Financial needs evolve throughout your career and lifetime, influenced by factors like changing income, family responsibilities, and proximity to retirement. We focus on providing guidance tailored to where clients are in their financial journey and the specific considerations that commonly arise during those periods.

Our Life Stage Planning Process

→ Understand Where You Are: We assess your current financial situation and life circumstances.

→ Clarify Where You Want to Go: We help you understand realistic goals for your life stage.

→ Create Your Strategy: We develop a personalized plan that addresses your specific goals and opportunities.

→ Implement and Adjust: We help you execute your plan and adapt as your life changes.

Who is Financial Planning for?

For Young Professionals Building Wealth

You're earning good money- now what?

You've worked hard to build your career and income, but managing wealth brings new decisions. How much should you save? Where should you invest? How do you balance enjoying your success today while securing your future?

Common challenges we can help with:

Maximizing tax efficiency as your income grows.
Building investment portfolios beyond basic 401(k) contributions.
Planning for major purchases like homes or starting families.
Creating emergency funds that match your lifestyle.
Navigating stock options, bonuses, and complex compensation packages.

For Pre-Retirees Pondering What the Future Holds

The most important financial years of your life.

The decade before retirement can be when every financial decision has the biggest impact. This could be your last chance to course-correct and optimize strategy before you stop earning.

Critical areas we can focus on:

Retirement Income Planning: Will you have enough to maintain your lifestyle?
Healthcare Cost Preparation: Planning for Medicare gaps and long-term care.
Tax Strategy Considerations: Minimizing taxes in retirement through smart planning today.
Social Security Optimization: When and how to claim benefits.
Estate Planning: Understanding your options so that your wealth transfers according to your wishes.

For Retirees Living Their Next Chapter

You’ve reached the stage where your money should work for you. Retirement isn’t about stopping; it’s about shifting from earning to enjoying what you’ve built while maintaining financial confidence.

Common priorities we help with:

Sustainable Income: Creating a dependable withdrawal strategy that balances growth and stability.
Tax-Efficient Distributions: Managing withdrawals and required minimum distributions (RMDs) to reduce taxes.
Charitable Giving Strategies: Aligning your philanthropy with tax-smart approaches.
Legacy Planning: Ensuring your wealth supports family, philanthropy, and future generations.
Long-Term Care Planning: Protecting your independence and assets as healthcare needs evolve.

For Women at Every Life Stage

Addressing documented financial planning differences.

Grounded in research and experience, our approach recognizes that women often face distinct financial dynamics over their lifetimes. Career transitions, caregiving responsibilities, and longer life expectancy can all influence financial outcomes, but thoughtful planning can turn these realities into opportunities.

Key areas we can address:

Longevity Planning: Designing strategies to support a longer, more independent retirement.
Retirement Savings Growth: Closing potential savings gaps through consistent investing and efficient tax strategies.
Healthcare Cost Preparation: Anticipating and planning for higher lifetime medical and care expenses.
Confidence and Clarity: Equipping you with the tools and insights to make informed financial decisions with confidence.

Learn more about Sophie's approach to women's financial planning!

Sophie Bradshaw, CFP®

Chief Wealth Officer

After witnessing her mother navigate financial challenges following divorce, Sophie was inspired to pursue a career in financial services to help people through major life transitions. Sophie is dedicated to making financial concepts accessible for everyone, with particular awareness of unique challenges women may face in wealth management. She remains committed to advancing financial literacy and promoting inclusive planning practices that serve diverse client needs.

Portfolio Management

We tailor portfolios to fit individual needs, whether you’re planning for retirement, managing cash flow in retirement, or building wealth over time. We regularly review portfolios to ensure they stay aligned with your goals and make adjustments as needed based on changes in your life, the markets, or tax considerations.

Tower View’s investment approach emphasizes long-term planning, with portfolios constructed using a combination of individual stocks, mutual funds, and ETFs. We use a bottom-up, research-driven process that considers company fundamentals such as financial strength and growth potential. Our strategies include both active and passive elements and may incorporate domestic and international exposure. Portfolios are diversified with intention—each holding is selected based on its role within the broader strategy, rather than for broad market replication.

Long Term Focus

Tower View focuses on long-term investments rather than short-term market timing or trades, other than using short term bonds for liquidity.

Stock and Fund Selection

We seek companies with strong balance sheets, solid growth prospects, and competitive advantages. These criteria are subjective, and our views may evolve over time.

We believe in focused-diversification. Diversification should protect and grow, not dilute performance. We don’t spread risk for the sake of it. Every holding earns its place.

Investment Strategy:

We use a "bottom-up" approach, focusing on specific stocks or funds rather than economic forecasts.
We are active managers, selecting investments based on our own research, rather than replicating market indices.
Our portfolio may include large, growth-oriented, and high-risk/emerging stocks.
We also invest in international markets, including both developed and emerging economies.
We utilize a mix of active and passive investment strategies, particularly through ETFs and mutual funds to ensure diversification.

Raman J. Ghei, CFA®

Chief Investment Officer

Since founding Tower View in July 1999, Raman has drawn on over three decades of experience in investment management and research. His work continues to center on investment selection and client engagement—two areas that have shaped the firm’s direction over the years. Raman focuses on helping clients stay grounded in their long-term plans, particularly during periods of market uncertainty. He provides regular communication and market updates and remains accessible to clients as they navigate the evolving investment landscape.

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