Financial Planning

Planning for your future is one of the most important steps you can take in securing financial freedom. Our goal is to help you attain financial peace of mind. Signet is unique from a typical wealth manager, we do not sell products but provide financial guidance through our expertise.

Retirement Planning

Retirement Planning

At Signet Financial Management, we understand the importance of not just returns and managing risk, but coordinating it all with a sound disciplined plan. Our team of works with you to create and implement a comprehensive financial plan:

  • We will develop a clear picture of your current financial situation by reviewing your income, assets and liabilities, and evaluating your current investment portfolio, insurance coverage, tax exposure and estate plan.
  • We will establish and prioritize financial goals and time frames.
  • We will implement strategies that address your current financial weaknesses and build on your financial strengths.
  • We will custom tailor a portfolio within your risk tolerance comfort level that we believe best suits your financial objectives.
  • We will continuously monitor your plan, making adjustments as your goals, time frames or circumstances change.

No one cares more about your money than you do. Our goal is to partner with clients providing a high level of service, communication and professional financial management. We might incorporate several of our strategies in your overall portfolio and we would determine what we view as the best strategy once we have a clear understanding of your income needs, time horizon and risk comfort level. When you come on board as a client you will have a dedicated portfolio manager who knows your positions and goals. You will also have access to a team of financial professionals, analysts, financial planners and portfolio managers. We manage everything in house and do not offer a cookie cutter one size fits all approach.

We cannot control the markets but we can work with you to control your portfolio.

Estate Planning

Estate Planning

Estate Planning includes but is not limited to the establishment and updating of wills, trusts, insurance, long term care, beneficiary designations, Powers of Appointment, and gifting. With the ever-changing tax law, healthcare overhaul and other dynamic issues at play, it is increasingly vital to consult experts in each of these spaces to ensure one's wealth is properly shielded from unnecessary tax burdens.

As fee-based fiduciaries, we will work with you to identify your risks and needs in order to try to align you with just the right professionals to get them resolved. We will also work with your existing team of CPAs, Attorneys and others as needed, to prioritize your comfort and financial well-being.

Elements of an Estate Plan

  • A will lets you specify your wishes, including how you want your property distributed, who will administer your estate and who will care for your minor children.
  • A trust holds your assets for the benefit of one or more people (you, your spouse, and your children). You will need an attorney's assistance to create a trust.
  • Life Insurance proceeds are paid to a beneficiary at your death.
  • Long Term Care has become increasingly important as healthcare costs skyrocketed in recent years. This type of insurance is established specifically to protect one's wealth in the case where one's health deteriorates to where professional care is needed regularly as the costs can erode wealth at a drastic and unexpected pace.
  • Beneficiary Designations are a simple process to ensure your loved ones do not experience any unnecessary delays, hassles or loss of capital when your assets are distributed upon death.
  • Powers of Appointment ensure critical decisions are made by those you deem appropriate should you not be able to.
  • Gifts are transfers of property made during your life to family, friends or charity. This may be a simple way to pass money to those you choose in a tax efficient manner.

Tax Planning

Tax Planning

A critical component to complete wealth management is to understand the complexities of ever-evolving tax legislation. As your true financial partner, we understand these intricate issues and we take them seriously.

There are many situations to consider when making decisions regarding an approach to your individual financial planning and tax planning strategies. Some key considerations include:

The importance of knowing your tax cost basis prior to making any sells in your account

How tax law changes can affect you, including but not limited to:

  • The Opportunity cost of executing on certain tax strategies and plans
  • The Time Value of Money and how future inflation can affect decisions made today
  • The likelihood that you may be in a lower or higher tax bracket later in life
  • The possibility of tax basis step-up if an equity is never sold

At Signet Financial Management, we consider these and many more potential tax-related matters before making any changes to your portfolio. In fact, we evaluate each and every position in your portfolio prior to making any decisions on sells or purchases, in seeking to ensure that you are not hit with a tax bill that you don't expect at the end of the year.

As always, it is important to consider your personal financial planning strategies and goals before making any decisions regarding how the aforementioned, or any other considerations, may affect your tax situation.


insurance We are exposed to many situations that many cause a loss (perils). The primary purpose of insurance is to provide economic protection against losses that may be incurred due to a chance of an event happening such as death, illness, or accident. This type of protection is provide through an insurance policy, which is simply a device used by companies to accumulate funds to have enough reserves to meet these uncertain losses. At Signet we will take you through a forensic review of your insurance policies to determine…… We have partnered with Sheridan Wealth Advisors.

Risk Management

Essentially, risk management occurs any time an advisor analyzes and attempts to quantify the potential for losses in an investment and then takes the appropriate action (or inaction) given his investment objectives and risk tolerance. We believe that investors who stay the course with a financially sound, long-term strategy are typically rewarded, despite short-term market fluctuations. However, we know that each client has a very different definition of risk and volatility. It is our job to help clients understand risk vs reward, and our goal is to minimize the risk to obtain their goals.