Personal wealth management Planning is our starting point

The Schoff Group William L. Schoff, Kathleen Titus, Stephen J. Wilson, Barbara L. Fraser, Bryan William Schoff, Alexander John Wilson, Joshua S. Tomko, Krista Sciera, Nicholas Ward, Michael Paul Dattilo

The Schoff Group


phone

888-661-2830
585-218-4569



phone

585-218-4595





address

400 Linden Oaks
Rochester, NY 14625



Our advice is not just about selecting stocks and bonds—it’s about your life and how your finances can impact it—for the better. By coordinating our strategies with your accountants, attorneys and other trusted advisors, you can be confident that we are aligned and working together toward your goals.

Working together, we’ll help you gain the greatest benefit from the wealth you’ve earned and the decisions you make along the way. Similar to a long-term business plan, we address each objective throughout your lifetime.

  • Wealth preservation. Our wealth management approach helps you identify risk and avoid market vulnerabilities.
  • Income protection. To help you preserve and protect all you’ve achieved, we’ll implement as needed business-continuity strategies and annuities, life, disability and long-term care insurance policies.
  • Retirement. We’ll review strategies for distributing your hard-earned wealth in a tax-efficient manner, for maximizing your cash flow in the years where it matters most.
  • Philanthropy. If giving back is your goal, we can provide tax-efficient strategies to help you give back to the causes that are important to you.
  • Legacy planning. Our estate planning strategies are designed to help you create a legacy that transfers wealth to the next generation while defining and fulfilling your goals.

Expect a concierge service experience
Working with a select group of clients allows us to focus time and attention on you and your needs while you focus on your family and your business. We’ll keep you informed and our conversations transparent.

Our planning process helps us to anticipate your needs, identify blind spots and minimize vulnerabilities—before any issues arise and become problems. Your plan grows with you and evolves with your changing life and circumstances.

Discovery

Gather information

Create your plan

Implement your plan

Monitor your progress
  • Learn about you, your life, your family
  • Explore your comfort with risk and investing
  • Discuss your vision for the future
  • Collect and review data, documents and statements
  • Analyze and discuss your specific financial information
  • Prioritize your goals
  • Assess your risks
  • Analyze your cash flow needs
  • Propose your personal asset allocation
  • Execute your planned strategy
  • Discuss potential modifications
  • Build and modify elements of your plan over time
  • Schedule periodic plan review meetings
  • Continue to review and assess your strategy
  • Make adjustments as needed
  • Keep yourself informed

Our experience in wealth management helps us understand the critical role equity compensation can play in your financial life. In fact, we believe your awards may offer you more opportunity than you may have ever thought.

How can your equity awards help you meet long-term goals? If you’ve received a large part of your compensation in company stock or stock options, optimizing the value of your awards is key. It’s important to understand the bigger picture and learn how equity awards can impact the growth of your wealth over time.

Our customized planning approach integrates your awards into a long-term strategy to help us:

  • Prioritize goals
  • Assess the right strategies for estate, insurance, charitable and tax planning
  • Clarify the impact of cash flow
  • Recommend an appropriate investment allocation
  • Manage risk

Depending on your needs, our recommendations might include:

  • Diversifying concentrated positions
  • Managing restricted stock awards
  • Executing stock options
  • Selling privately held or public shares that are subject to Rule 144
  • 10b5-1 plans

Insights