Complete 360° financial stewardship.
Wealth management is more than a portfolio. We help connect your investments, retirement goals, family legacy and risk protection into one strategy, and we aggregate your whole financial life so you can see where you stand in a single view.
Asset & portfolio management
Disciplined, long-term investment design
We build sustainable asset allocations around your specific life goals. We emphasize broad diversification over market timing and stock picking, with the aim of softening the ups and downs rather than predicting them.
Built for the long run, so short-term market noise is not something you have to act on.
Financial & retirement planning
Mapping your short- and long-term milestones
We sit down with you and review the complete picture: assets, liabilities, and what you and your family are working toward. Together we outline a roadmap, and we revisit it every couple of years, or sooner when a major life event arrives.
Planning that changes as your life and your retirement goals change.
Education funding & 529 planning
Protecting opportunities for children and grandchildren
Education planning means balancing future tuition against your own retirement. We design and manage dedicated 529 accounts and tax-efficient education strategies for the next generation of your family.
Savings strategies matched to your family’s timeline.
Risk & insurance evaluation
Safeguarding what you have built
A complete plan has to account for the unexpected. We review the coverage you already hold and walk you through the tools that matter, including long-term care, life and disability insurance.
A plain review of your coverage against what the plan assumes.
Estate planning coordination
Aligning your legal structure with your legacy
Wealth transfer works best when your advisors and your legal team are speaking the same language. We work directly alongside your estate planning attorney so your documents, trust structures and account titling all say the same thing.
Direct coordination between your financial and legal professionals.
Life milestone & transition guidance
Steady counsel through major life changes
Retirement timing, stepping away from a business, widowhood, divorce. We offer patient, hands-on guidance through the moments when the financial decisions arrive all at once.
Personal support when you most need a clear next step.
Neither Sapphire Compass Advisors nor &Partners renders legal or tax advice. Please consult your tax or legal advisors before taking any action that may have tax consequences.
Everything in one place, most likely for the first time.
For many of our clients, working with us is the first time their bank accounts, investment portfolios, retirement funds and family assets have been pulled into one view.
Helping bring order to that takes the coordination off your plate, and it leaves you with one team you know by name.
Our process starts with you, not a product.
1
We start with everything you have
Accounts, debts, the house, the pension you forgot about. For most people this is the first time it has all been in one place.
2
We talk about what you actually want
Short-term and long-term, for you and for your family. This is the part that takes the longest and matters most.
3
We build the plan, then invest to achieve it
The allocation follows from the goals, not the other way around.
4
We revisit it on a scheduled timeframe, but sooner when life moves
A sale, a death, a marriage, a move. The plan is not a document you file.
Long-term, diversified, and simple on purpose.
We build an allocation meant to hold up across a long stretch of time, spread widely enough that no single position decides your outcome, and then we let it work. Markets fall. That is a feature of investing, not a signal to act. We adjust the portfolio when something in your plan changes, not something in the headlines.