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Securities Offered Through DaVinci Capital Management, Inc.

799 Cambridge St., Cambridge, MA 02141 
617-354-3222 I Member FINRASIPC
MSRB

Learn more about our firm and investment professionals at FINRA BrokerCheck

Wealth Management

CHARTING YOUR 

COURSE WITH CLARITY

When you see the big picture and understand the options, your direction becomes clear.

 Building Wealth on Purpose

Comprehensive wealth planning can take you further, faster—from wealth accumulation and retirement income strategies to wealth protection and business succession planning. 

Financial and Retirement Planning

CHARTING YOUR COURSE

Working closely with you, we help develop the broadest possible overview of

where you stand currently and what you need to do to accomplish your financial goals. By understanding your financial position, we can illustrate the impact

various financial, investment, and estate planning decisions can have on your family’s future. 

Clients often have two primary areas of concern – accumulating wealth and retirement income – so we focus on a strategic plan to:

     •  Define your current and future financial needs

     •  Coordinate your business, personal and family resources

     •  Project retirement income needs based on your risk tolerance

     •  Analyze “what if” scenarios to model alternative options and funding levels

     •  Evaluate higher education needs and tax-advantaged funding solutions

     •  Maximize Social Security income and government benefits

     •  Address rising healthcare expensesduring retirement

Financial and Retirement Planning

SETTING YOUR DIRECTION

Working closely with you, we help develop the broadest possible overview of

where you stand currently and what you need to do to accomplish your financial goals. By understanding your financial position, we can illustrate the impact

various financial, investment, and estate planning decisions can have on your family’s future.

A Proactive Process 

Clients often have two primary areas of concern – accumulating wealth and retirement income – so we focus on a strategic plan to:

     •  Define your current and future financial objectives

     •  Coordinate your business, personal and family resources

     •  Project retirement income needs based on your risk tolerance

     •  Analyze “what if” scenarios to model alternative options and funding levels

     •  Evaluate higher education needs and tax-advantaged funding solutions

     •  Maximize Social Security income and government benefits

     •  Address rising healthcare expenses during retirement

 
Investment Management

AN ONGOING PROCESS, NOT AN EVENT

If retirement and financial planning provide you with a roadmap to your desired family and lifestyle objectives, investment management is the most important economic engine to generate the growth you need for that journey. At CIP, we strongly believe the way you invest should be aligned with where you are in life, not with the short term ups and downs of the markets. 

Customized to You

For this reason, we don’t have a single investment philosophy but rather tailor your portfolio to be the best possible match for your needs, risk tolerance and time horizon.  We combine portfolio diversification with active management so you have the money you need for the lifestyle you want.

 

A critical but often overlooked part of this customization process is to make sure you aren’t taking any more risk than necessary as you work towards your goals. This means screening out investments that are inappropriate given your situation and risk tolerance.

 

Most clients tell us they didn’t use to have a good grasp of what they owned and why, or the steps they could take to safeguard their future.  Helping you gain this greater understanding so you can live your life by design, not by default, is our objective.

 

Increasing change and complexity as well as specialization among professional advisors has left business owners and executives wondering how they can keep up and what they should do next. 

CIP WealthCare solves that problem.

— Michael Eagan, Managing Director, WealthCare

 
Insurance Planning

PROTECTING WHAT MATTERS MOST

Managing risks that threaten your financial well-being are every bit as important as saving for your long term goals. We review our clients’ entire portfolio regularly to help minimize risk, maximize security and assure competitive pricing. We provide a wide range of products from the country’s strongest and most trusted insurance companies including:

Life Insurance

Life insurance provides financial protection for your family or your business in the event of your premature death. Whether it is term life, permanent life or a more complex policy, we have the solutions to help protect you and your family.

Disability Income Insurance

It is critical to protect your ability to earn an income in the event of a serious accident or sickness. Individual disability insurance provides tax-free income and protects your home if you aren’t able to work for an extended period of time.

Health Insurance

Navigating the maze of health insurance options has never been more important or complicated. We’ll help you design the right coverage to fit your needs and budget while making sure you are taking advantage of tax saving opportunities.

Long-Term Care Insurance

A long-term illness or serious accident can have a devastating impact on your retirement savings. LTC insurance delivers financial resources that help cover in-home care, assisted living or nursing home expenses while preserving your home.

Life Insurance
Health Insurance
Disability Income
Long-Term Care
Business Succession Planning

UNLOCKING THE VALUE AND THE FUTURE

Exit & Succession Planning is an essential but often overlooked aspect of planning your business, regardless of the company size and ownership structure. When a comprehensive plan is properly designed and executed, it accomplished the following goals:

  1. Owners exit their businesses on their own terms and conditions.

  2. The remaining shareholders are well-positioned for future success.

  3. Contingency plans are in place should an owner and/or key person become disabled, die or leave the company.

  4. Business and personal tax liabilities are minimized.

A Systematic Team Approach

To achieve these objectives, an organized and collaborative game plan with multiple advisors is needed as well as time to implement it. Although every plan is unique and customized, the following elements are universally considered:

  • Business valuation and enhancement is a high priority

  • Key people are retained and often insured

  • An up-to-date Buy/Sell Agreement is used to define the terms and valuation approach

  • Insurance and other financial products are often used to fund the agreement.

  • Transferring ownership to insiders is considered as well as a sale to an outside 3rd party.

  • Retirement and estate planning is coordinated with the exit and succession plan.

WealthCare 360 is a strategic and efficient wealth management alternative for business owners and executives who want experienced guidance without wasting time or money.

WealthCare
OPTIMIZATION

FROM COMPLEXITY TO SOPHISTICATED SIMPLICITY

WealthCare 360 integrates your total financial life into a flexible but comprehensive plan that achieves your goals and true peace of mind. Integrated services include:

WealthCare 360 is not about lengthy reports that sit on a desk.  Once we know your goals, where you’re headed and why, we’ll help you reach those milestones step-by-step.

STRATEGIC & HOLISTIC GUIDANCE

We design smarter solutions that improve results through integration, optimization & automation

SOPHISTICATED SIMPLICITY

By removing complexity, clients are refocused, energized and motivated to achieve greater productivity

CLIENT-CENTERED INTEGRATION

Your personal, family and business objectives become the focal point for aligning resources and making decisions

COLLABORATIVE TEAM APPROACH

We work effectively with your in-house team and 

professional advisors to move your agenda forward

FASTER IMPLEMENTATION

By working holistically, we can help you take advantage of more opportunities and solve more problems

BENEFITS & WEALTH OPTIMIZATION

By dovetailing business / personal resources, tax, legal, insurance & investments, optimal leverage is gained

EXPLORE OUR SERVICES

Our WealthCare team is comprised of experienced financial consultants, investment advisors and insurance experts.  We will make your financial life easier to manage and help provide the money you need for the lifestyle you want.