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How We Serve

Investment Management

Investment management involves overseeing and optimizing a client's investment portfolio to achieve their financial goals. This includes asset allocation, security selection, risk management, and performance monitoring. By considering factors such as risk tolerance, time horizon, and financial objectives, investment managers strive to maximize returns while minimizing risk for their clients.

  • Portfolio construction aligned with client goals and risk tolerance.
  • Ongoing monitoring and adjustment of investments to optimize performance.
  • Diversification across asset classes to manage risk and enhance returns.
  • Proactive risk management to mitigate potential downturns.
  • Regular communication and education to keep clients informed and engaged.
  • Focus on long-term growth and wealth preservation.

Retirement Planning

Retirement planning involves creating strategies to achieve financial independence and security during retirement years. This includes setting retirement goals, estimating retirement expenses, determining sources of income, such as pensions, Social Security, and savings, and implementing investment and savings strategies to reach those goals.

  • Establishing retirement goals and desired lifestyle.
  • Identifying potential sources of income, such as pensions, Social Security, and savings.
  • Developing personalized savings and investment strategies.
  • Incorporating tax-efficient retirement savings vehicles.
  • Regularly reviewing and adjusting retirement plans as circumstances change.
  • Providing guidance on retirement account withdrawals and Social Security claiming strategies.
  • Ensuring clients are on track to meet their retirement goals and objectives.

Cash Flow Management

Cash flow management involves effectively handling income and expenses to achieve financial goals. It includes creating budgets, tracking spending, prioritizing savings goals, and optimizing cash flow to maximize financial well-being. Financial advisors assist clients in developing strategies to align their cash flow with their short-term and long-term financial objectives, ensuring they can meet their financial obligations and build wealth over time.

  • Establishing a comprehensive budget to track income and expenses.
  • Prioritizing financial goals, such as debt repayment, emergency savings, and retirement contributions.
  • Developing a plan to optimize cash flow and allocate resources effectively.
  • Offering support and education to help clients develop healthy financial habits and achieve financial stability.

Risk Management

Risk management and asset protection are key parts of financial planning, focusing on identifying and minimizing potential risks to your wealth and assets. These strategies help safeguard your financial future against market fluctuations, unexpected expenses, and other threats.

  • Identifying potential risks that could impact financial goals and objectives.
  • Implementing insurance policies, such as life, long term care, and disability insurance, to mitigate specific risks.
  • Developing contingency plans for unexpected events, such as job loss or medical emergencies.
  • Monitoring and adjusting risk management strategies as circumstances change.

Estate Planning

Identifying client's estate planning goals and objectives. Estate planning involves preparing for the distribution of your assets and wealth after your passing. It includes creating legal documents to ensure your wishes are followed, minimize taxes, and protect assets for your beneficiaries.

  • Identifying client's estate planning goals and objectives.
  • Implementing strategies to minimize estate taxes and settlement expenses.
  • Naming beneficiaries and titling accounts to align with estate planning goals.
  • Establishing powers of attorney and healthcare directives for incapacity planning.
  • Providing guidance on charitable giving and legacy planning to support philanthropic goals.

Tax Planning

Tax planning minimizes tax liabilities and maximizes financial outcomes through strategic investment optimization, tax-advantaged account utilization, and timing income and deductions.

  • Identifying opportunities to minimize tax liabilities through deductions, credits, and tax-advantaged accounts.
  • Developing strategies to optimize timing of income and deductions for maximum tax efficiency.
  • Utilizing tax-efficient investment strategies to minimize taxable gains and maximize after-tax returns.
  • Providing guidance on tax implications of major financial decisions, such as buying a home or starting a business.
  • Collaborating with tax professionals to ensure comprehensive tax planning and compliance.


As stewards of our clients' financial well-being, it is imperative that transparency and fairness guide every aspect of our service. Understanding the true cost of investing is fundamental to achieving your financial goals, which is why we prioritize clarity in our fee structures.

In an industry often obscured by ambiguity, we are committed to providing clear and transparent information regarding both advisor fees and the costs associated with the funds we select for our clients. Our aim is to empower you and your family with the knowledge needed to make informed decisions about your financial future.

To serve dynamic needs of clients, our firm offers a traditional asset-based fee schedule for advisory portfolios.

What to expect in our initial consultation

During our initial consultation, you won't be met with slides or sales pitches. Instead, you'll be greeted warmly and offered a freshly brewed cup of coffee by our in-house barista, John. At Full Cup Financial, we believe in starting our conversations with comfort and genuine connection.

Our focus is on understanding your vision and needs to determine if Full Cup is the right fit for you, and if you're the right fit for us. This isn't just about finances; it's about building a relationship based on trust and mutual understanding.

We'll delve into what's happening in your life right now, learning about you, your family, your goals, and what truly matters to you. And throughout our conversation, we welcome any questions you may have.

Above all, our priority is your well-being and that of your family. We're here to listen, to understand your dreams and goals, and to assess your comfort level with risk. At Full Cup Financial, we believe in fostering long-term relationships built on open and honest communication, because we understand that these relationships are the foundation of our mutual success.

Schedule a Complimentary Initial Meeting

For more information about our firm and our services, send us a quick email or call the office. | 706-395-0757