Philosophy

The Haddam Road Standard of Care will allow you to identify issues that are meaningful to you in your personal planning process. That is the first step in any planning journey.

Tailored Financial Care

The philosophy behind our Standard of Care is rooted in the belief that every individual deserves a tailored, comprehensive approach to managing their financial well-being. Just as a physician carefully crafts a patient care plan to address both immediate and long-term health needs, our Standard of Care is designed to systematically address the financial and lifestyle issues that will impact your life now and in the future.

Our commitment is to help you navigate your financial journey with confidence and clarity, empowering you to make informed decisions that align with your values and aspirations. We believe that by adhering to this philosophy, we can not only help protect your financial health but also help enhance your ability to live a truly interesting and fulfilling life.

There are 6 elements to the Haddam Road Standard of Care:

Financial Planning

  • Income Analysis
    • CashFlow Analysis
    • Income Projection
    • Variance Analysis
      • Job Change/Job Loss
  • Expense Analysis
    • Lifestyle Analysis
    • Budgeting
      • Pretax v. After Tax
  • Asset Analysis
    • Portfolio Analysis
    • Asset Valuation
    • Income Projection
  • Liability Analysis
    • Borrowing Needs
    • Secured v. Unsecured
    • Buy v. Rent
Download our White Paper

Investment Planning

  • Economic Analysis
    • Economy/Business
      • Fiscal/Monetary Policy
    • Economic Indicators
    • Business Cycles
  • Investment Analysis
    • Domestic v. International
    • Asset Allocation
      • Equity/Fixed Income
      • Commodities/Hedges
  • Portfolio Construction
    • Client Mandate/Risk
    • Growth/Income/Hybrid
    • Taxable v. Deferred
    • 'Down Market' Analysis
  • Client Specific Issues
    • Concentrated Stock
    • Employee Stock Plan
    • Stock Option Management
Download our White Paper

Retirement Planning

  • Lifestyle Review
    • Income Replacement
    • Scenario Analysis
      • Where/When/How
  • Retirement Income
    • Fixed v. Variable Income
    • IRA/401k Distribution Plan
    • Social Security Planning
    • Pension Analysis
  • Healthcare in Retirement
    • Medicare Strategy
    • Long-Term Care Strategy
  • Portfolio Transition
    • Accumulation to Distribution
    • Strategy for Transition
Download our White Paper

Family/Estate Planning

  • Wills/Legal Documents
    • Living Will
    • Healthcare POA
    • Durable POA
    • Revocable/Irrevocable Trusts
  • Family Governance
    • Mission Statement
    • Legacy Planning
      • Grantor Trust
    • Annual Gifting
  • Charitable Planning
    • Charitable Trusts
    • Donor Advise Fund
    • Stock Gifting
  • Special Circumstances
    • Marriage/Divorce
    • Disability/Illness
    • 'Non-Traditional' Families
    • Dependents with Special Needs
Download our White Paper

Asset Protection

  • Capital Needs Analysis
    • Disability
    • Life Insurance
    • Long-Term Care
  • Property Protection
    • Umbrella Liability
    • Practice Liability
    • Spendthrift Protection
  • Entities Usage
    • Limited Liability Entities
    • Corporation
    • Asset Protection Trust
  • Personal/Family Security
    • Home/Auto
    • Identity/Cyber
Download our White Paper

Business Planning

  • Business Needs
    • Ownership/Control
    • Liquidity 
    • Deposit/Treasury
  • Retirement/Benefits
    • 401(k)
    • Profit Sharing
    • Defined Benefit Plans
  • Risk Management
    • Continuity Planning
    • Key Employee/Life
    • Buy/Sell Agreements
  • Succession/Exit Planning
    • Valuation
    • ESOP
Download our White Paper

Navigate your financial future with confidence.