Comprehensive Financial Planning
At J.M. Arbour, we recognize that no two individuals or families share the same financial landscape. Wealth advisory is never a “one size fits all” endeavor. Your circumstances are distinct, and so too must be the strategy designed to steward your legacy.
Our approach to comprehensive financial planning is meticulously tailored to your unique situation and may encompass, but is not limited to:
Thorough assessment of your current financial position
Detailed review of financial statements and estate documentation
Evaluation of existing insurance coverage
Analysis of income requirements, both present and future
Retirement planning guidance
Tax mitigation strategies designed for long-term efficiency
Family governance and intergenerational coordination
Wealth transfer and legacy planning
Cybersecurity and personal risk assessments
Investment Advisory & Fiduciary Services
J.M. Arbour provides fee-based investment advisory services, where compensation is transparently tied to a percentage of assets under management (AUM), rather than commissions or transactional fees.
This model aligns our interests seamlessly with yours, ensuring that our commitment is to grow and protect your wealth, with an unwavering fiduciary duty. As fiduciaries, our professionals are legally bound to act in your best interests, guided by principles of loyalty and care. Our recommendations reflect a thorough understanding of your goals and financial realities.
Before engagement, we provide full disclosure of our qualifications, services, fee structures, methods of analysis, and any potential conflicts of interest. Transparency is paramount, especially in an industry often clouded by commission-driven sales and undisclosed conflicts.
Choosing a fiduciary advisor empowers you to make well-informed decisions, supported by full transparency and a relationship grounded in trust.
Insurance Solutions
When insurance plays a pivotal role in your financial plan, J.M. Arbour’s professionals deliver expert guidance. Leveraging access to the independent marketplace, we source products from premier providers—ensuring quality, robust design, and competitive pricing.
Our insurance offerings include, but are not limited to:
Term and Permanent Life Insurance
Premium Finance
Private Placement Life Insurance
Annuities
Legal Counsel
Navigating wills, trusts, powers of attorney, HIPAA directives, and personal property memorandums requires clarity and precision. Which documents are essential? When should they be reviewed or updated? Are your assets optimally protected and structured to transfer efficiently to your beneficiaries?
Our legal partners specialize in providing answers that safeguard your estate and ensure your legacy is preserved with the utmost care and efficiency.
Tax Strategy
For most clients, taxes represent the single largest annual expense. Where laws permit, we employ proactive strategies to reduce or defer tax liabilities, preserving more of your wealth for future generations.
We collaborate with distinguished tax professionals and firms renowned for handling complex tax situations—ensuring you benefit from sophisticated, compliant, and effective tax planning.
Integrated Expertise Under One Roof
At J.M. Arbour, we understand the profound value of assembling a team of top-tier legal, tax, and insurance specialists dedicated to your success. Our trusted partners bring expertise in Elder Law, Estate Planning, Business Succession, Real Estate, and Advanced Tax Mitigation.
Together, we convene in our offices to align your investment, insurance, legal, and tax strategies, crafting a cohesive framework that supports your wealth, your family, and your future.