Services
We are in the business of money, but we are also in the business of time. How will you spend yours?
The families, business owners and individuals that we serve are more than just clients - they are family. We have created a higher standard of care to offer investment, financial, estate and tax planning for every stage of life. We are there with you with empathy and compassion keeping an an eye on the future, evaluating risk and not the current emotion of the day.
Financial Planning
What do you want your wealth to accomplish for you and your loved ones? This is just one of the questions we ask when we're starting the financial planning process with our clients. We want to help you plan for the future and feel confident that you're taking the right steps to reach your goals.
Cash Flow Planning
Goal Planning
Retirement Planning
Tax Planning
College Funding Planning
Tax Planning
Making the most out of your money starts with recognizing all the ways taxes can impact your financial future. Whether you're focused on your own retirement, a loved one's education, or the best way to pass on your wealth to your heirs, any sound forward looking plan to maximize your wealth needs to take into account the bite of taxes. We can help you anticipate the impact of taxes in all areas of your life.
Tax Efficient Investing
Tax Loss Harvesting
Tax Analysis
Tax Planning
Charitable Giving Strategies
Required Minimum Distribution (RMD) Planning
Retirement Planning
You’re probably asking questions like “When do I want to retire?”, “How do I want to spend my time?”, “Do I have enough saved?” or “When should I draw on Social Security?”
Our team can help you bring clarity to your financial picture and chart a course to structure a plan.
After completing our discovery process to understand your desires for retirement, we translate your vision into a series of actionable financial goals. On your road to retirement, we continue to advise to help ensure you’re on track and move forward confidently into the future.
Business Owners
At Baird, we have a team of experts, called Business Owner Solutions, to support our business owner clients. In partnership with them, we can offer a basic assessment of transition and business valuation factors that provide our clients with a clearer understanding of their personal financial statements and various exit options for the business.
We can also help you setup an employer sponsored retirement plan for yourself and your employees. We can integrate your business plans with your personal financial plans.
Charitable Giving
While the primary goal in making a charitable gift is to support a worthy cause, there are also tax and financial planning benefits for the donor that should be considered. Charitable giving services offered include:
- Direct Donations of Appreciated Securities
- Qualified Charitable Distributions (QCDs)
- Bunching Strategies
- Donor-Advised Funds and Family Foundations
- Charitable Trusts
Education Funding
With more students graduating from college with thousands of dollars in student loan debt, funding an education can be one of the most impactful investments you can make. No matter how much time you have before the first tuition payment is due, we can help you plan for funding education in a way that makes the most sense for you and your family.
Through a time-tested planning process, we can help you understand all the variables at play and create an education plan that mirrors your values.
Insurance and Risk Management
Your wealth management plans should determine which insurance coverage is right for you. With deep risk management expertise, we analyze our clients’ financial situations and recommend appropriate solutions and strategies to help protect their interests and mitigate risk. Risk management and insurance services include:
- Liability Coverage Review and Planning
- Life Insurance, Including Second-to-Die Policies and Private Placement Policies
- Buy/Sell Funding
- Key Person Insurance
- Long-Term Care Insurance
- Disability Insurance
- Annuities
- Privacy Armor® Identity Protection
Cash Management and Lending
We offer a variety of services that allow clients to consolidate and simplify their banking and wealth management needs. Cash Management and Lending Services include:
- Cash Management
- Free Check Writing
- Insured Deposits
- Debit Card With Awards Points
- ATM Access With Rebated ATM Fees
- Free Foreign Transactions
- Direct Deposit and Electronic Transfer
- Concierge Services
- Lending
- Liability Planning
- Securities-Based Loans
- Margin Loans
Trust Services
Ensure Your Family Legacy
With nearly 40 years of experience providing trust administration, estate settlement and investment management services for individuals, families and institutional clients, the professionals at Baird Trust can help you protect, grow and transfer your wealth in a way that reflects your values and vision for the future.
Trustee Services
Trust Investment Management
Trust Estate Settlement