Opes Advisors has innovated a unique combination of advisory services to enable you to manage your entire financial life and a process for making effective financial decisions. Our Personal Balance Sheet Planning approach redefines the meaning and mechanisms for wealth management and planning for retirement.

While businesses regularly use balance sheets for a clear view of assets, liabilities, income and expenses, a personal balance sheet can serve as a valuable tool in planning your financial life. It’s a wide-ranging snapshot that accounts for your entire net worth, including both the things you expect, like your stocks and bonds, and crucial things that financial advisors typically are not set up to include, like your home mortgage, your real estate investments and your real estate financing. You can’t effectively look at the personal balance sheet if you don’t have expertise in stocks and bonds, real estate and real estate financing.

Effective retirement preparation is more than just making a plan and charting your returns. It must also include consideration of all of your assets, investments and liabilities, and a process for seeing and assessing your situation over time, with an integrated team of experts to guide and advise you at critical moments when you need to make important financial decisions.

Shifting the Balance Sheet Composition Over Time

The personal balance sheet approach of preparing for retirement entails regularly reviewing your balance sheet and developing strategies for shifting its composition over time. You can see your assets and liabilities now, and in different scenarios 20, 30 or even 40 years from now.

Opes Advisors’ comprehensive integrated team of experts – in wealth management, tax-efficient strategies, real estate investment analysis, and mortgages – collaborate extensively to make sure all of your assets are working together for you and your family, now and in the future.

Your Advisor will work with the entire advisory team to help you structure the personal balance sheet with the optimal balance of assets in terms of liquidity, risk, and generation and longevity of income. You will see all phases of your financial life at one time!