Broker Check

Our Approach

Our Fundamental Beliefs

    1. We can only do our best work if we spend the time to know you well.
    2. Risk matters — and broad *diversification can help manage it.
    3. As our world becomes more interconnected, a global perspective is more and more important.
    4. **Reducing your tax liabilities is critical.

Whether we work with you, your family or your business, five goals will be at the heart of our support and guidance. From our experience, achieving these five goals means our clients enjoy greater financial success with confidence.


Goal 1: Understand You

Like any healthy, long-term relationship, understanding and communication are at the heart of our work. If we support you, we’ll spend several weeks — or even a few months — getting to know you and your financial experiences before we make a single change to your holdings. We use this time to view your estate and finances from all sides. And we also deepen our understanding of the goals, priorities and challenges that determine the path we’ll blaze together.

How We Support You:

      • Meet with you multiple times
      • Ask thoughtful questions to discover your motivations and goals
      • Look for hidden tax risks or other inefficiencies

Goal 2: Customize Your Financial Plan

Because we spend significant time getting to know you, we can customize our planning process to address incredibly specific aspects of your short-term priorities and long-term dreams. We don’t have a static strategy that we fit you into. Instead, we adjust our strategies and approach to create a plan that truly fits your needs.

How We Support You:

      • Tailor a strategy and plan that reflect who you are and where you want to go
      • Focus on your priorities, including retirement, business continuation, family growth and beyond
      • Use both insurance and investments to address your goals

Goal 3: Invest Your Assets Wisely

When we build your portfolio, we search for what we believe are the appropriate investments across the entire global marketplace. We manage your investments proactively and can help you understand how each investment advances your financial plan. Additionally, unlike many firms, Rosenbaum Financial is not pushed to sell proprietary products, and our fiduciary responsibility means we are legally bound to make decisions that are in your best interest.

How We Support You:

      • Design a portfolio that balances your needs for growth, protection and income
      • Connect you to sophisticated investments, including ***hedge funds, international opportunities and more
      • Monitor and adjust your investments as the markets or your needs evolve

Goal 4: Preserve Your Wealth

Whether you’re a business owner, executive or other successful professional, you’ve worked hard for your wealth — and we’re here to help you preserve it. Our wealth preservation approach addresses the myriad risks to lasting affluence.

How We Support You:

      • Look for tax shelters and other opportunities to help save you money
      • Address any concentrated stock positions or publicly traded business interests
      • Connect you to important insurance services, such as key-man, long-term care and more

Goal 5: Prepare for the Next Generation

Passing your wealth or business to the next generation involves much more than transferring assets. Of course, you want to avoid unnecessary taxes or delays, but we believe the best financial planning also helps you share your values with your successors.

How We Support You:

      • Add and augment your trusts and other beneficiary structures
      • Address every aspect of your estate planning needs, including life insurance and philanthropic goals
      • Align our work with your other professional advisors’, such as attorneys and CPAs, as needed
      • Invite the next generations into the conversation and keep them informed of their roles and responsibilities
 

*Diversification does not guarantee a profit or protect against a loss in a declining market. It is a method used to help manage investment risk.

**To ensure compliance with requirements imposed by the IRS under Circular 230, we inform you that any U.S. Federal tax advice contained in this communication, unless otherwise specifically stated, was not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing, or recommending to another party any matters addressed herein.

***Alternative investments, including hedge funds, commodities, and managed futures involve a high degree of risk, often engage in leveraging and other speculative investments practices that may increase risk of investment loss. Alternative investments can be highly illiquid, are not required to provide periodic pricing or valuation information to investors, may involve complex tax structures and delays in distributing important tax information, are not subject to the same regulatory requirements as mutual funds. They often charge higher fees which may offset any trading profits, and in many cases the underlying investments are not transparent and are known only to the investment manager.

The performance of alternative investments can be volatile. There is often no secondary market for an investor’s interest in alternative investments and none is expected to develop. There may be restrictions on transferring interests in any alternative investment. Alternative investment products often execute a substantial portion of their trades on non-US exchanges. Investing in foreign markets may entail risks that differ from those associated with investments in the US markets. Additionally, alternative investments often entail commodity trading which can involve substantial risk of loss.