One of the greatest services that we provide is keeping our clients disciplined when it comes to their investments to help them get from point A to point B in the most efficient way possible. Emotional investing can ruin a financial plan, wiping out savings it took years to accumulate. For example, the average 30-year annual returns for the S&P 500 is 9.96%, whereas the average equity fund investor over that same 30-year time period achieves average annual returns of 5.04%. Many of the behavioral mistakes that the average investor makes are driven by fear or greed.

Knowing that the best advisors double as behavioral finance coaches who deliver long-term perspective and strategy that mitigates return-destroying behavior, we work closely with you to help you avoid common investor mistakes. Our goal is to help you earn more and keep more over time, so that you can find a better path forward!

Annual DALBAR study of the 30-year average compound rate of return of the S&P 500 index and the average return realized by the average equity mutual fund investor updated through 2019.

We have processes in place that utilize both advanced data analytics as well as tried-and-true methods to find quality, long term stocks. We take a “top down” approach to finding these stocks. We first look at the overall market and determine which sectors of the economy we wish to invest in, then use our data and analytics to find what we feel are the most suitable companies in each of those sectors.

Each client’s portfolio allocations are matched up to their individual plan. There is no “one size fits all” – each client has a comprehensive plan that is used as the basis for their investment allocations.

Death and taxes – life’s only certainties. It’s not just about how much you accumulate to reach your goals, but how much you keep.

At Evergreen, we’ve created the Evergreen 10-Year Tax Plan, a forward-looking strategy designed to help map out key financial moves year by year. This includes Roth conversions, retirement contributions, tax-efficient distributions, tax-loss harvesting, and charitable giving. Our plan is crafted to help you manage, reduce, and defer taxes over time, with the goal of helping you retain more of what you earn.

In addition, we conduct a thorough review of your previous year’s taxes, helping you fully understand your tax situation. We also project your current year’s taxes to identify opportunities and provide accurate estimates.

Because Evergreen’s services include the wide-ranging nature of financial planning, Evergreen may provide ideas and insights to the Client related to tax planning or legal advice. Clients must always first consult with their tax or legal professional regarding the efficacy and impact of the ideas that Evergreen proposes before taking any action.

Life comes with many potential risks that could derail your plans and savings: illness, disability, the death of a loved one, accidents, inflation, market crashes, recessions, interest rate fluctuations, and more. These risks can impact both your personal life and your investment portfolio. At Evergreen, we help you identify the risks you face, whatever they may be, and develop strategies to minimize their impact.

You could have done all the right things with saving and investing, but if you don’t have the proper insurance, an unforeseen event could undo all your hard work. A crucial part of managing these risks is evaluating the proper types and levels of insurance. Inadequate insurance can completely destroy your financial plan. That’s why we’ve developed the Evergreen Insurance Canopy—a comprehensive service that dives deep into your home, auto, and umbrella policies to ensure you’re neither overinsured nor underinsured. We provide a simple report that highlights any gaps or areas of concern, using a clear system: green light for good, yellow light for caution, and red light for issues that need immediate attention.

Because we don’t sell insurance products, we avoid potential conflicts of interest and focus entirely on your needs. When additional coverage is required, we educate you on your options and connect you with trusted partners. Additionally, we provide an agent letter outlining the necessary updates, so you can ensure your policies are aligned with your financial goals.

What do you want to happen with your assets when you die? What plans do you have in place for dependents and who will take care of them? Whom do you want to take care of legal, financial, and family matters when you are incapacitated or have passed away? What type of medical care do you want to receive in circumstances when you are unable to express your wishes?

These are all important questions that we each need to answer and are part of a successful estate plan, no matter how much wealth a person has accumulated. And for those who don’t put a plan in place, the state will publicly make decisions on these financial questions as well as guardianship decisions for minor children, which may not be in accordance with your wishes.

We help you ask the questions necessary to put the correct estate plan in place, providing tools, resources, and trusted partners to ensure you have peace of mind that the people you love and the wishes you have are carried out when you become ill or pass away.

Because Evergreen’s services include the wide-ranging nature of financial planning, Evergreen may provide ideas and insights to the Client related to tax planning or legal advice. Clients must always first consult with their tax or legal professional regarding the efficacy and impact of the ideas that Evergreen proposes before taking any action.

For business owners, offering a company retirement plan can be the difference when it comes to hiring and retaining the best talent. Yet business retirement plans are numerous and can be confusing, with a lot of moving parts to take into consideration. We help you evaluate and decide which retirement plan works best for your unique situation and walk you through everything you need to get the plan up and running.

For employees, we help analyze your investment options to find the best investment choices for your situation.

For self-employed individuals without employees, we help set up a small-company retirement plan that maximizes retirement savings while minimizing taxes.

As our clients near the age of retirement, we often hear many of them ask similar questions regarding Social Security, such as: When is the best age for me to take Social Security?  Should my spouse and I have a joint strategy for Social Security?  What if I contributed to a non-Social Security pension (Windfall Elimination Provision)?  Will it even be there for me?  Social Security makes up the base income for almost all of our clients and for this reason, we spend a lot of time customizing a plan to each client that answers the above questions, and many others.

Healthcare tends to be one of the largest expenses for most retired individuals in the United States. Due to this, understanding Medicare is crucial for our clients who are nearing the age of 65. These clients are often bombarded with phone calls and mailings regarding all the different Medicare options available. It can be overwhelming to try and find the right Medicare plan that fits your needs, but we help by explaining the different options available and by being an objective partner to help educate our clients on those options.

Here at Evergreen, we strive to set up our clients, and their friends and family, for success by educating them on principles that will benefit them throughout their lives. We avoid complex terms and jargon. Many clients have told us that they have learned more working with us in a few short years then over their entire lifetime.
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