Financial planning that
puts your story first
Planning connects the dots between our financial realities and the lives we long to live.
– George Kinder, CFP®
Financial planning begins with understanding your unique circumstances, values, and aspirations. At St. Germain, we take the time to listen to your story—and understand where you are today, where you want to be tomorrow, and what matters most to you along the way. Our comprehensive planning approach integrates every aspect of your financial life into a cohesive strategy designed to help you achieve confidence in your financial future.
What makes our planning different
of your financial life
Whether you’re decades from retirement or already enjoying your golden years, we help ensure your lifestyle can be sustained while preserving wealth for future generations and managing healthcare costs.
- Income replacement strategies and withdrawal planning
- Social Security optimization
- Pension and 401(k) management
- Healthcare and long-term care planning
- Tax-efficient retirement distribution strategies
- Active management and rebalancing
- Tax-efficient positioning
- Direct ownership of securities
Understanding your current financial position is essential for effective planning. We analyze your income, expenses, and spending patterns to identify opportunities for optimization and ensure alignment with goals
- Income and expense analysis
- Debt management strategies
- Emergency fund planning
- Major purchase planning
Effective tax planning extends far beyond annual tax preparation. We work year-round to develop strategies that minimize your tax burden while optimizing your investment positioning and coordinating with your CPA.
- Year-round tax strategy development
- Tax-efficient investment positioning
- Roth conversion analysis
- Charitable giving tax strategies
- Coordination with your CPA
Beyond traditional insurance analysis, comprehensive risk management includes protecting against market volatility, concentrated positions, and unexpected life events that could derail your financial plans and long-term security.
- Insurance needs analysis
- Asset protection strategies
- Concentrated stock position management
- Portfolio risk assessment and mitigation
Protecting your wealth for future generations requires careful coordination between investment management, tax strategy, and estate planning. We help ensure your legacy reflects your values while minimizing tax implications.
- Wealth transfer strategies
- Trust and estate coordination
- Charitable giving planning
- Family business succession planning
- Multi-generational wealth preservation
From funding your children’s college education to helping grandparents support multiple generations, we develop tax-efficient strategies that balance education goals with your other financial priorities and retirement security.
- 529 plan strategies and college savings optimization
- Multi-generational education funding
- Tax-efficient education savings approaches
- Financial aid planning considerations
three simple questions that guide everything we do together.
We start by understanding your financial big picture—income, expenses, assets, and resources—to clarify your current reality and determine what’s available to dedicate toward achieving your goals.
We help define what financial success means to you—whether funding education, ensuring comfortable retirement, or leaving a legacy. Your personal goals, not market indexes, become our guiding benchmark.
We create investment portfolios designed to bridge the gap between your current situation and future goals. Whether you prefer an aggressive or conservative approach, we match strategies to your comfort level.
Financial planning and portfolio management work hand in hand. Your personalized financial plan informs our investment recommendations, ensuring your portfolio is aligned with your specific goals, time horizon, and risk tolerance.
your financial journey