Our Services

TRICA's Investment Management Services involve the professional handling of financial assets and securities: such as stocks, bonds, and cash allocations in order to meet clients specific investment goals.

Professional investment management typically includes the following:

1. Discovery and Goal Setting: The planner and client assesses the financial situation, time horizon (when you need the money), and risk tolerance (how much market volatility you can stomach).

2. Asset Allocation: The planner and client discuss how to distribute money across different "buckets" (e.g., 60% stocks, 30% bonds, 10% cash) to balance potential reward and optimize portfolio to clients goals.

3. Security Fund Selection: The planner chooses the specific investments that fit the chosen allocation. The planner continues to monitor each fund with the Investment Committee Team Quarterly and replace funds when needed.

4. Portfolio Rebalancing: Some investments grow faster than others, which can make clients portfolio riskier than intended. Planner will periodically sell overweighted and buy underweighted to bring the portfolio back to its target mix. Taking advantage of the markets ups and downs.

5. Tax Management: The planner will look for strategic selling (tax-loss harvesting) to offset gains, opportunities to gift appreciated stock to charity, and make plans to strategically convert or contribuite funds to Traditional or Roth buckets.

DISCLOSURE: All investments involve risk of loss, and past performance is not indicative of future results and there can be no assurance that any specific investment will be successful. Contents of this page is for educational purposes and is not individual legal, tax, or financial advice.

TRICA's Financial Planning Services is an ongoing process that looks at clients current situation, identifies future goals, and creates a coordinated plan to reach them. A truly comprehensive financial plan integrates several distinct pillars. Financial planning is the strategic roadmap for a clients entire financial life.

Professional financial planning typically includes the following:

• Financial Planning: The foundational strategy that defines clients goals, cash flow, and net worth.

• Investment Management: The selection and oversight of assets to ensure clients money is working toward your specific objectives.

• Tax Strategy: Proactive planning to minimize lifetime tax liability through vehicles like Roth conversions, tax-efficient location of assets, and harvesting losses. May require the setup of a Wealth Builder Account, Roth IRA, Traditional IRA, or Direct Index Account. 

• Insurance Planning: Protecting clients wealth and clients family from "what-if" scenarios, including life, disability, and long-term care insurance. May require the setup of Donor Advice Funds or Chariable Giving Acccounts. 

• Charitable Gifting: Strategizing clients philanthropy goals to maximize the impact of donations while potentially reducing clients taxable estate.

• Retirement Planning: Designing a sustainable income stream to ensure clients don't outlive assets after they stop working. May also include Social Security, Medicare, Required Minimum Distributions and more. 

• Real Estate Advisory: Integrating physical property whether clients primary home or investment rentals into the overall wealth strategy.

• Estate Planning: Helping clients organize their assets and help them understand how they will be distributed to heirs or organizations, focusing on minimizing probate and estate taxes.
  
  

DISCLOSURE: All investments involve risk of loss, and past performance is not indicative of future results and there can be no assurance that any specific investment will be successful. Contents of this page is for educational purposes and is not individual legal, tax, or financial advice.

TRICA's 401(k)s and Pension Plan Services included helping  clients navigate the complexities of establishing and managing an employer-sponsored retirement plan while ensuring the investment menu remains competitive and aligned with long-term goals.

We guide clients through the lifecycle of plan management, focusing on strategy and growth:

• Education for Plan Options and Selection: We help you evaluate which plan type best fits your organization's goals, whether it’s a Traditional 401(k), a Safe Harbor, Profit Sharing plan or a Defined Benefit Pension Plan.

• Managing Annual Contributions: We provide guidance on optimizing contribution levels, including employer matching strategies and profit-sharing components, to maximize tax advantages for both the business and employees.

• Investment Menu Design: We assist in selecting a diverse array of funds, ranging from low-cost index funds to target-date funds, to ensure participants have the tools they need to build a diversified portfolio.

• Fiduciary Investment Oversight: We provide ongoing monitoring of the fund lineup, replacing underperforming assets and ensuring the investment options remain compliant with modern fiduciary standards.

It is important to understand the boundary between our investment advisory services and plan administration. Our focus is on the strategy and the investments; however, every plan requires specialized operational support.

Client Obligation: Clients are responsible for selecting and engaging a Third-Party Administrator (TPA) and a Recordkeeper if needed. These entities are necessary to handle mandatory government filings, non-discrimination testing, and the daily processing of participant data.

DISCLOSURE: All investments involve risk of loss, and past performance is not indicative of future results and there can be no assurance that any specific investment will be successful. Contents of this page is for educational purposes and is not individual legal, tax, retirement, or financial advice.