We have a long history of providing financial advice and services to a broad range of individual and institutional clients. We combine personalized wealth management for individuals and families with institutional consulting and retirement plan services for public and private businesses, foundations and endowments.
Our level of care and understanding has earned our clients’ lifelong trust. Our 12-member team with $2.7 billion in assets under management (as of April, 2018) has extensive experience and offers a specific focus on the needs of corporate executives, business owners and ultra-high net worth families.
“We at Liberty Trail Wealth Management help lead our clients on a path to financial
freedom. Our clients count on us for our experience, multi-generational perspective
and deep understanding of the aspects associated with significant wealth.”
— Liberty Trail Wealth Management
How we work
Our integrated team approach to wealth management seeks to understand your specific needs and make sure that your financial decisions reflect both short term desires and long term goals. Our tailored process can help you and your family address the specific and uncommon opportunities that come with personal and business success.
Corporate executive care
We help manage the complexities of equity compensation by providing integrated financial guidance and a robust suite of administrative tools.
Services for stock option planning and execution
With complicated equity award packages, executives and employees need specific guidance.
We provide customized services, including:
- Stock option exercise strategies
- Single stock risk management
- Wealth transfer and philanthropic planning
- Restricted stock
Corporate executive care
We are well positioned to provide financial planning to help executives get the most from their compensation plan and to integrate those plans with their overall wealth management strategy.
- Defined contribution plan strategies (net unrealized appreciation)
- Defined benefit plan structures
- Incentive award programs (restricted shares and stock options)
- Group life and disability strategies
Customized investing for your specific situation
We care about people, not just their portfolios. Our team is grounded in the best practices of prudent asset allocation and risk management and we build custom investment strategies based on a professional system for identifying the most tax-efficient and risk conscious ways to construct your portfolio.
With our open architecture, we are free to choose the best solutions for our clients, whether managing portfolios ourselves or selecting world class institutional money managers.
We can help keep you prepared
The foundation of our investment strategies comes from the expertise of both internal and external sources, combined in an integrated and systematic process.
Our team includes:
- 1 – Senior Portfolio Manager
- 3 CFPs – CERTIFIED FINANCIAL PLANNER™ professional
- 1 CRPS – Chartered Retirement Plans SpecialistSM
- 1 CLU – Chartered Life Underwriter®
- 1 ChFC – Chartered Financial Consultant®
- 5 CRPCs – Chartered Retirement Planning CounselorSM
Our team’s Portfolio Managers in the UBS Portfolio Management Program have a disciplined process that ensures we develop customized strategies based on rigorous due diligence and research analysis. We regularly review your strategy in the context of your overall wealth management plan, always mindful of the impact of market conditions, changes in your personal circumstances and comfort with risk.
Asset allocation and risk management
We develop asset allocation strategies and coordinate the right combination of traditional and alternative investment advice required to deliver your objectives while controlling risk and volatility. Diversified portfolios include ETFs, SMAs, alternatives, fixed income, equities, structured products, annuities and options.
We help investors with highly concentrated equity positions, either in public or private company stock, determine how much liquid, diversified wealth they need to fulfill their lifetime financial goals. Our objective is to provide you with the confidence necessary for your family to enjoy your wealth free from the fear of outlasting it.
Liquidity, longevity and legacy
We help organize your financial life into three key dimensions: Liquidity—to help provide cash flow for short-term expenses, Longevity—for longer-term needs and Legacy—for needs that go beyond your own.
Estate planning and wealth transfer strategies
We are positioned to help manage the complexities of equity. Exemplary service is the key to a successful relationship. . By offering high-touch service, our goal is to develop the kind of trust that helps simplify your financial life and builds long-lasting relationships.
We have experience with complex wealth transfer and protection strategies.
- Grantor retained annuity trusts
- Insurance (second to die, long term care, etc.)
- Private split dollar arrangements
- Interfamily loans
- Charitable trusts (family foundations, donor advised funds, retained annuity trusts, etc.)
- Revocable and irrevocable trusts
- Grantor trusts
- Special needs trusts
We can work with you to set up, understand and execute these complex strategies. We offer customized investment strategies and generational planning that coincide with your overall estate planning goals.
Financial planning for all stages of life
We listen and gather insights about your unique personal and financial situation so that we can build an individually tailored financial plan. Then we track your plan’s progress, communicate regularly and make adjustments for life changes and economic conditions.
We prepare a customized financial plan and cash flow for all of our clients and their families. Whether you are close to retirement, have kids in college or are just starting your career, we believe that the relationship starts with a well crafted plan. We look at all aspects of your financial life: we integrate your portfolio, assets, liabilities and savings into a single, comprehensive view.
A lifetime financial strategy
We are committed to building long lasting relationships. By monitoring and adjusting your plan, we strive to optimize your strategy to help ensure we keep pace with fluctuating markets, changing tax laws and your evolving family needs.
Critical elements of our planning process include:
- Retirement planning
- Insurance and liability management
- Estate planning considerations
- Education funding
- Credit and lending
- Business succession planning
- Net unrealized appreciation
- Stock option and restricted stock planning
We take the time to understand your family wealth dynamics and the important decisions you face. We provide timely strategies that help grow and protect income and safeguard the preservation and transfer of wealth.
We leverage our institutional consulting experience
Our team is well positioned to provide financial planning to help senior executives get the most from their equity incentive program by integrating it with their overall wealth management strategy. We can help executives understand the company compensation and benefit plans in context of their overall wealth management strategy.
Understanding the concerns of business owners
We help manage a broad spectrum of business needs. We work with a select number of private business owners who value our ability to speak knowledgeably about their professional ventures.
Our end-to-end wealth management solutions address the specific concerns that come with running a business:
Retirement plans for you and your employees
401(k), simple IRAs, SEPs, IRAs, profit sharing and defined benefit plans are all potential solutions to help you and your employees plan for a successful retirement.
Help you protect your continuing financial success
Life insurance, disability coverage and key man insurance are areas we can assess and help you determine if you and your family will continue to live comfortably if something unexpected should happen.
Succession and exit strategies
Investment banks, strategic buyer or family business transition are areas in which we have considerable experience and can help you reach your goals.
Jack Riley has been recognized as an industry leader
- Financial Times Top 400 Financial Advisers, 2019
- Barron's Top 1,200 Financial Advisors, 2019, 2020
- Forbes Best-In-State Wealth Advisors, 2019