How we work
Planning starts with understanding where you are today and where you want to go, then builds a path to connect the two.
Investment Account Management
Thoughtful, ongoing management of your investments based on your goals, time horizon, and overall financial picture.
- Personalized portfolio management
- Tax-aware investment decisions
- Accounts custodied at Charles Schwab
IRAs & Retirement Planning
Whether you're years from retirement or already there, we help coordinate your investments with the bigger retirement picture.
- Traditional and Roth IRAs
- Retirement income planning
- Contribution and withdrawal strategies
Account Rollovers & Consolidation
Old 401(k)s and scattered investment accounts can make your finances unnecessarily complicated. We help you understand your options and bring things together when appropriate.
- 401(k) and retirement plan rollovers
- Consolidating investment accounts
- Coordinating accounts around one strategy
Comprehensive Financial Planning
Financial decisions rarely happen in isolation. We help connect your investments with the rest of your financial life.
- Retirement preparation
- Cash-flow and goal planning
- Major financial decisions
Tax-Aware Investing & Cash-Flow Planning
Tax considerations and cash flow can materially affect financial decisions. Our approach incorporates both into the planning and investment process.
- Tax-aware portfolio decisions
- Capital gains and withdrawal planning
- Cash-flow organization and projections
College Savings & 529 Plans
Planning for education can start well before college. We help families evaluate savings strategies and incorporate education goals into their broader plan.
- 529 college savings plans
- Education funding strategies
- Coordinating college and retirement goals
Your accounts are held at Schwab
Sand Run Wealth Management has selected Charles Schwab & Co., Inc. as the primary custodian for client assets.
Accounts are held directly at Schwab, an independent third-party custodian, while the firm provides the investment management and financial advice. Clients access their statements, confirmations, and account information through Schwab's platform. Charles Schwab & Co., Inc. is an independent company, unaffiliated with Sand Run Wealth Management.
Individual brokerage
A taxable investment account owned by one person. There are no contribution limits and no restrictions on when money can be withdrawn.
Joint brokerage
A taxable investment account shared by two or more people, often spouses. The form of joint ownership is chosen when the account is opened.
Traditional IRA
A retirement account where contributions may be tax deductible depending on income and other factors, and withdrawals in retirement are generally taxed as income.
Roth IRA
A retirement account funded with after-tax dollars. Qualified withdrawals in retirement, including growth, are generally tax free.
Rollover IRA
An IRA that receives assets moved out of a former employer's retirement plan, keeping their tax-deferred status rather than cashing out.
Inherited IRA
An IRA opened to receive retirement assets from someone who has died. It carries its own distribution rules based on the relationship and the timing.
SEP IRA
A retirement plan for self-employed people and small business owners, funded by employer contributions.
SIMPLE IRA
A retirement plan for small businesses, funded by a combination of employee salary deferrals and employer contributions.
Solo 401(k)
A 401(k) for an owner-only business, where the owner can contribute both as the employee and as the employer.
Trust
An investment account held in the name of a trust and managed according to the terms of the trust document.
Custodial
An account an adult manages on behalf of a minor. The assets become the child's at the age set by state law.
Business
An investment account owned by a business entity such as an LLC, corporation, or partnership.
Select any account type for a plain description. These are general descriptions, not recommendations. Eligibility, contribution limits, and tax treatment vary by situation and change over time.
The firm’s services, fees, investment practices, and conflicts of interest are described in Form ADV Part 2A, the firm brochure.
Form ADV Part 2A: Firm BrochurePDFNot sure where to start?
That is what the first conversation is for. Bring your questions and we will go from there.