Wealth Management and Financial Planning Services
Financial decisions rarely exist in isolation.
Investment choices affect taxes. Retirement decisions affect estate planning. Career changes affect cash flow and long term goals.
Our approach to wealth management is built around integration and clarity. We begin with financial planning, then align investments and ongoing strategy to support each client’s specific situation.
We work with clients during moments of transition and throughout long term planning relationships as goals evolve and life changes.
At Apriem Advisors, we provide comprehensive financial planning and wealth management services designed to support individuals and families through life’s most important financial transitions.
Our services are planning-first and relationship-driven, with a focus on helping clients make informed decisions around investments, taxes, retirement, estate planning, and long term financial strategy.
Rather than offering isolated solutions, we coordinate across planning areas so each decision fits into a broader financial plan.
Wealth Management
At Apriem Advisors, we provide holistic wealth management services designed to support both current and future generations. Our approach integrates multigenerational strategies and behavioral insights, helping families make informed financial decisions and navigate the complexities of wealth. For those seeking a partner with expertise across retirement planning, estate planning, taxation, risk management, and business planning, we deliver comprehensive solutions that preserve and grow wealth across generations.
Retirement Services
Apriem’s Retirement Services provide investment-related support to employer-based retirement plans such as 401(k)s and 403(b)s, serving as a fiduciary under Section 3(21) of ERISA. We work closely with employers and employees to design, manage, and monitor retirement plans that meet regulatory standards while helping participants prepare for long-term financial security. Our holistic approach ensures plans are not only compliant, but also aligned with the evolving needs of the workforce.
Charitable Services
Our Charitable Services serves as our clients’ partner in philanthropy. Our experience spans over 25 years in managing foundations and charitable accounts. Our team’s community involvement enhances the overall client experience.
Financial Planning
Our primary focus is on creating a goal-oriented financial plan for individuals and families that leads to prosperity. Our team will evaluate your current financial portrait, help you set goals, and set forth a plan to reach the.
Estate Planning Services
Apriem Advisors’ Estate Planning Services, in partnership with Wealth.com, provides a streamlined and secure approach to managing your estate. From trusts and wills to powers of attorney and healthcare directives, we help align your documents with your overall financial strategy, giving you peace of mind for today and tomorrow.*
Wealth Management
Wealth management at Apriem Advisors is focused on aligning investment strategy with financial planning goals.
Our wealth management services are designed to support long term objectives such as retirement planning, income strategy, legacy planning, and managing financial complexity.
Wealth management services may include:
- investment portfolio management
- asset allocation and diversification
- ongoing monitoring and rebalancing
- risk management aligned with goals and time horizon
- coordination with financial planning and tax strategy
Investment strategies are implemented based on individual circumstances, goals, and risk tolerance. Investing involves risk, including the potential loss of principal.
Retirement Planning
Retirement planning is a major focus for many clients and often involves complex decisions that extend well beyond retirement accounts.
Our retirement planning services are designed to help clients evaluate retirement readiness and create a plan for income, taxes, and long term sustainability.
Retirement planning may include:
- retirement income planning
- Social Security timing analysis
- withdrawal strategy and account coordination
- tax planning in retirement
- healthcare and Medicare planning
- long term planning for evolving needs
Retirement planning strategies are individualized and reviewed regularly as circumstances change.
Financial Planning
Financial planning provides the foundation for informed financial decision making.
Our financial planning services help clients understand where they are today, clarify future goals, and create a structured plan to support those goals over time.
Financial planning may address:
- cash flow and spending strategy
- retirement planning and income projections
- tax planning coordination
- insurance and risk management review
- education funding and major goal planning
- estate planning coordination
Financial plans are reviewed and updated as circumstances change.
Estate Planning Services
Estate planning is an important part of a comprehensive financial plan. It helps ensure assets are protected, decisions are documented, and wealth is transferred according to your intentions.
Apriem Advisors offers estate planning services through our partnership with Wealth.com, allowing clients to create and maintain estate planning documents as part of an integrated planning experience.
Estate planning services may include:
- wills and revocable living trusts
- powers of attorney and healthcare directives
- beneficiary planning and account coordination
- trust planning and updates
- estate planning reviews after major life events
By integrating estate planning with financial planning and wealth management, we help ensure estate documents align with how assets are owned, invested, and managed.
Estate planning needs often change over time, particularly after events such as retirement, inheritance, divorce, or the loss of a spouse. Plans should be reviewed regularly to reflect current goals and circumstances.*
Charitable Planning
For clients with charitable goals, thoughtful planning can help align giving with broader financial and tax strategies.
Charitable planning services are designed to help clients evaluate giving options and coordinate charitable goals with long term planning.
Charitable planning may include:
- donor advised fund planning
- gifting appreciated assets
- coordination with tax planning strategy
- integrating philanthropy into legacy planning
- long term charitable giving strategy
Charitable planning strategies are based on individual goals and circumstances.
How Our Services Support Life Transitions
Many clients seek guidance during periods of change such as retirement, inheritance, divorce, selling a business, career transitions, or family changes.
Our services are designed to support these moments by providing structure, coordination, and ongoing planning.
We regularly work with clients whose needs span multiple service areas, and our planning approach allows those services to work together rather than independently.
You can explore how our services apply to specific life events on our Who We Help page.
Who We Work With
Our services are designed for individuals and families who:
- are navigating a major financial transition
- want a planning-first approach to wealth management
- value coordination across financial decisions
- are seeking a long term advisory relationship
- want clarity around complex financial choices
Disclosures:
*Apriem Advisors has partnered with Wealth.com, an independent platform for estate planning services. Apriem Advisors is not a law firm and does not provide legal advice. All legal questions or final reviews must be addressed with Wealth.com’s representatives or a licensed attorney retained by the Client.