Overview

Bluestone offers its clients a fully personalized approach to wealth management. We understand that having money does not make you an expert in managing it; indeed, many clients would prefer to devote their time and intelligence to other activities. But unless someone knowledgeable is paying close attention constantly, your assets can lead to aggravation and anxiety instead of a sense of well-being.

Our commitment to broad and deep client relationships allows us to create a professional partnership so that we can act for you as, in an ideal world, you would act for yourself. Partnering with Bluestone allows you to:

With Bluestone as your financial alter-ego, you can comfortably pursue your interests knowing that your investment decisions are being implemented in an intelligent and trustworthy fashion.  

The best wealth management is done with a long term perspective firmly in mind. Bluestone aims to work with its clients over their lifetimes to achieve their financial goals. We place a premium on timely responsiveness, discretion, empathy, prudence, and privacy. Our top priority is the quality of the client-advisor relationship.

Asset Management

Your money has its greatest value if you have it when you need it, and if you don’t spend your life worrying about it. Bluestone manages your assets to maximize growth over a long-term investment horizon, with great attention to your individual circumstances, desired returns, and risk tolerance. You will receive objective, unbiased advice customized to your specific needs as we invest side-by-side with you. Investment decisions are guided by your Investment Policy, created with you and updated regularly to reflect your changing life.  

For more information about our investment approach, please see Investing.

Tax Strategies

Virtually every financial decision you make has tax implications.  But the complexity of the tax code makes it difficult to be fully informed and up-to-date on how to manage your money in the most tax-advantageous manner.  

Bluestone believes in minimizing your tax burden through smart planning.  Over the long term, a tax-efficient wealth management approach can play a vital role in growing your assets.  We work with you to develop tax-sensitive wealth accumulation, preservation, and distribution strategies that are designed to keep more money in your pocket.  

The annual administrative burden of preparing and paying taxes is something few people enjoy. Bluestone can work directly with your accountant, providing information necessary to complete your returns. We also are able to take over the quarterly payments of your estimated taxes, freeing you from this financial chore.

Wealth Transfer Planning

One of the big challenges of having money is figuring out the best way to pass it on to others, either during our lives or at our deaths.  Although none of us likes to think of dying, it is an inescapable fact that when you do, your wealth will be distributed. With thoughtful planning and preparation, you can control the “who, what, where, when, and how” of this eventual distribution so that your assets end up where you intend.  Using an estate plan, lifetime gifting programs, and/or trusts, Bluestone will help you devise an intelligent and personalized wealth transfer strategy.   

A vital component of wealth transfer planning is a Will.  Bluestone assists you in gathering the information and making the decisions necessary for a comprehensive, current Will that implements your wealth transfer plan. Additionally, Bluestone will work with your legal advisor to insure that your Will remains current over time.

Trusts and Fiduciary Services

Trusts are an important wealth management tool and come in a wide variety of forms, such as living trusts, revocable trusts, bypass trusts, and several types of charitable trusts.  Bluestone has the expertise to guide you in choosing the right trust to accomplish your goals and in identifying appropriate beneficiaries and remaindermen.  We can also oversee trust creation and serve as investment managers of trust assets.

Fiduciary services include acting as an individual trustee for a trust, an executor for an estate, or a financial custodian for a minor’s assets.  In many instances, a permanent, independent fiduciary with financial expertise and without personal financial interest is the best choice.  

Bluestone’s principals are willing to assume fiduciary obligations for clients, when appropriate, because Bluestone cultivates highly personalized and longstanding client relationships characterized by mutual trust.   

Charitable Gifting

You may place a high priority on charitable gifts, and be interested in a significant gifting program over your lifetime or as a legacy. Bluestone recognizes that your charitable gifting will be most effective if based on careful planning that takes into full account your time line, your various asset types, the tax implications, and your other investment and planning goals.  Although charitable gifting may be considered a component of wealth transfer planning, it is a sufficiently unique, and frequently complex, type of wealth-sharing to merit its own area of expertise.  We use our knowledge to assist you in carrying out your charitable intentions in a strategic, tax-efficient, and personally satisfying manner.

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