Caring for Clients

At The Coulter Grayson Group, we’re at our best serving as each client’s ready resource – on retirement, legacy and longevity planning, and issues that revolve around aging, Social Security, Medicare and insurance. For decades, we’ve proactively assisted clients in clarifying goals that align with their core values. It feels good to serve clients who value our involvement in their lives and integrity in serving their best interests.

Everything we do for clients begins with our goals-based, planning process. And it’s not a one-time event. Throughout each relationship, new insights about a client continue to give us direction. No two clients are identical and neither are the strategies we create. By listening closely to what clients say (and often don’t say), we can address their evolving concerns and aspirations.

Among the questions we may ask: “What keeps you up at night? Are you worried about medical expenses or outliving your money? What are your plans for travel and/or visiting family? How do you fund medical expenses? Do you have long-term care insurance? We also provide clients with a worksheet to determine their expenses. In addition, we run a full analysis of those expenses vs. income.

At clients’ most challenging times – the loss of a spouse, a family’s member’s illness, or divorce – we devote ourselves to serving their emotional wellbeing. By helping clients make unhurried and conscious financial decisions, we can help them regain confidence in building, spending and/or sharing their wealth.

With our banking pedigrees and close relationship with a local branch of Bank of America, N.A., we offer streamlined access to residential and securities-based lending. We also provide wire transfers, monitor clients’ credit card activity when they travel, order checks and more.

And because legacy planning can be daunting and expensive, we sit with clients and “map out” questions that an attorney may ask. We also can coordinate with clients’ attorneys and our firm’s specialists – to align strategies that put everyone (including you and your family) on the same page.

At The CG Group, we’re here to help clients enjoy the rewards of a fulfilling life. It has long been our mission to provide the type of wealth management that brings clients a positive outlook, memorable experience, and desired results.

Retiring with a Plan

At the Coulter Grayson Group, we believe that our insights, knowledge and know-how contribute to our retired clients’ sense of financial independence and confidence. By recognizing each client’s desires and family dynamics, we can bring clarity to clients and ourselves. Only then, can we help clients navigate a rewarding journey up to and through retirement.

Through our planning-based approach, we help our retired clientele – or couples about to retire – envision likely and unlikely circumstances. We provoke discussion about clients’ goals for themselves and their children. We also help clients get a stronger grasp of Social Security, long-term-care, Medicare, liability management and wealth transfer issues. In all cases, we make sure that both spouses can freely express their comfort with investment risk and the lifestyles they envision.

When it comes to investments, we use BofA Global Research and model portfolios to formulate what we consider to be simple strategies for diversifying a client’s portfolio across asset classes and sectors. As we say, “If we can’t explain it to a client in simple terms, we shouldn’t do it.” That’s why we often use a blend of best ideas from external money managers, along with mutual funds, ETFs and laddered bonds.

How do we gauge the satisfaction of our retired clientele? With two forms of measurement:

First, if clients call regularly to ask our thoughts on financial decisions, that’s a big positive. Second, if clients do not call when markets are turbulent, that means we’ve helped them appreciate their long-term strategy – what they own, why they’re diversified, and why their time is better spent focusing on the joys in their lives.

For nearly 20 years, we’ve worked closely with clients – focusing on asset growth that exceeds the rate of inflation. In each relationship, we strive to provide full transparency, clear communication and helpful education – three elements we believe are at the core of a strong advisor-client relationship.

*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.