
Ricardo DeSoto, CEPA®, CPWA®


Active monitoring and management are essential for the success of your comprehensive financial planning as well as your investment portfolio. We believe your comprehensive wealth plan is a living document, that must be subject to regular review and adjustment if necessary based on how your life circumstances shift.
Every financial plan should consider your family's short-, medium- and long-term goals. The definition of these time lines, however, depends on your stage in life. Buying a weekend home might be a long-term goal when you're in your mid-career/wealth accumulation stage, but a short-term goal when you're in your late-career/lifestyle maximization stage. Meeting healthcare needs could be a medium-term goal in your late-career stage but would likely be a short-term goal in your post-retirement stage.
Life is changeable and not always predictable. Changes in your career, family dynamics, or health are apt to impact your goals and priorities. That's another reason a comprehensive wealth management plan needs to be regularly monitored and potentially adjusted rather than carved in stone and treated as permanent.
We strive for a close and trusted relationship with each of our select group of clients so we are among the first people called when life changes, for better or worse. We want to be there to help you and your family through multiple generations.
Some of our advanced wealth transfer approaches:








