Evergreen is not your typical investment firm. We are a full-service financial planning firm made up of family and friends who came together to create meaningful relationships and do the right thing for our clients every time. And at Evergreen, because the client is the boss, there is no external pressure or influence, just honest investing.

Our team of experts came together to form Evergreen to help meet the needs of investors through a wholly transparent and sensible approach based on honesty and communication. We welcome any question, any time, and pledge to always be forthcoming and have complete transparency.


What will bring you the most meaning and fulfillment in retirement? For some of our clients, retirement means having more time with family, friends, and loved ones and mentoring others. For others, it means being able to travel the world, laugh more, or learn new skills and hobbies. For you, it may be to work out in the garden or teach at the local community college, or be able to make charitable donations to causes that you believe in.

We help you determine what will bring the most meaning to you in retirement, then work with you to set a plan in place to make it happen! This plan includes determining cash flow needs and strategies to determine which accounts and assets to draw from and in which order to minimize what you pay in taxes, figuring out the best time and method of taking Social Security (including the Windfall Elimination Provision), evaluating options for Medicare, and maximizing your retirement saving and investment plans. We stress test your retirement plan to give us the best chance of success long-term.

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.

Individual Stock PortfoliosWe 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.

Tax PlanningDeath and taxes – life’s only absolutes! We know that it isn’t as important how much you accumulate to cover your needs and dreams, it’s how much you keep! Because of this, we are very sensitive to tax-planning strategies and are always looking for ways to manage, reduce, and defer taxes so that you legally pay the lowest amount possible.

We educate on and manage investment accounts with the most tax-efficient strategies. We provide ongoing tax analyses so that you can have confidence knowing various tax strategies available to you in your unique situation.

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.

Risk ManagementLife comes with many potential risks that could destroy your plans and savings: illness, disability, death of a loved one, accidents, inflation, market crashes, recession, interest rate fluctuations, and more. These risks can happen both inside and outside your investment portfolio. We help you determine the risks you face, whatever they are, and how to minimize the impact those risks may have.

This often includes evaluating the proper types and levels of insurance. Having inadequate insurance can completely destroy your financial plan. At Evergreen, we do not sell insurance products to avoid conflicts of interest, so when additional insurance coverage is needed, we educate you on options and connect you to trusted partners to ensure you are covered.

Estate PlanningWhat 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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Fidelity Investments provides the platform we use to manage client accounts by holding assets in the client’s name and at arm’s length. All Fidelity brokerage accounts are covered by Securities Investor Protection Corporation (SIPC).

There is no form of partnership or legal affiliation between Fidelity Investments and Evergreen Private Wealth nor is such a relationship created or implied by the information herein.  Fidelity Investments provides clearing, custody, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC, Members NYSE, SIPC. 1111986.1.0.

IFP provides investment research and trade support.

Preparing for Retirement

Jean and Rodger

Age: 57 & 60

Jean is a doctor at a regional medical center and Rodger is an engineer at a large aerospace company. Both have worked hard in their respective fields and have received several accolades along the way, all while raising a family.

Small Business Owners

John and Emily

Age: 45 & 49

John is self-employed and has a successful online business that they started 5 years ago. He describes himself as a serial entrepreneur and has worked independently most of his career. Emily has been working as an airline pilot for the past 20 years.

Tax Strategies


Age: 60

Mary is self-employed and is a very successful real estate agent and loves what she does. Mary also takes the lead on investing and has been managing her own portfolio for several years. She would like to work another 5 years before she retires.