The Currents Approach
How We Work
Your experience starts with an introductory call where we frame your current situation and identify the goals that matter most to you. If we’re a good fit, we’ll move immediately into our formal onboarding process.
Where it starts
As a client, you’ll progress through the three phases of our strategy: uncovering the facts through a deep-dive audit, modeling your custom blueprint, and managing the ongoing execution to keep your plan in sync.
Phase 1: Discovery
Before we move forward, we need to know exactly where you stand.
- The Audit: We review your “big picture” (including tax returns, cash flow, and insurance) to find any hidden red flags.
- The Vision: We talk about your life goals, such as when you want to retire and how you want to spend your time.
- The Gaps: We identify immediate fixes needed for your estate plan, taxes, or protection.
Phase 2: Strategy
Here, we build the custom blueprint for your wealth.
- Investment Design: We build a portfolio tailored to your risk level, tax situation and goals.
- The Roadmap: We run “what-if” scenarios, like stress-testing your retirement, and optimize things like Social Security and annual tax-saving moves.
- Tax Planning: We create a specific plan to lower your lifetime tax bill.
Phase 3: Implementation
This is where we do the heavy lifting to put the plan into motion.
- Execution: We handle the paperwork, transfer your accounts, and start active management like tax-loss harvesting.
- Coordination: We don’t work in a vacuum; we sync up with your CPA and attorney to make sure your legal documents and tax filings match our strategy.
- Protection: We close any remaining gaps in your insurance or beneficiary designations so your wealth is fully protected.
Bottom Line: We start by uncovering the facts, modeling the best path forward, and then managing every detail so you don’t have to.
Stay Ahead Together
A financial plan isn’t a static document. Tax laws change. Markets shift. New decisions arise. We stay engaged proactively — not just at scheduled reviews — so adjustments happen before they become problems.
What this looks like
We meet formally each Spring and Fall to review tax planning strategies and identify opportunities. And we’re in communication proactively throughout the year, not just at scheduled check-ins.
Strategy that goes beyond the portfolio
CURRENTS manages investment portfolios with institutional rigor. That's the foundation. What surrounds it is what makes the difference: a coordinated strategy across taxes, income, estate, and structure, built around a single clear direction for the year ahead.
Institutional Investment Management
Your portfolio is managed with the discipline and precision that high-net-worth situations require. Tax-aware positioning, asset location, and rigorous ongoing oversight.
Coordination Across All Pieces
Investments, income, estate structure, and tax planning all inform each other. When they're not connected, decisions made in one area quietly undermine the others.
Dedicated Tax Strategy
We meet formally each Spring and Fall to review and identify opportunities. And we're in communication proactively throughout the year, not just at scheduled check-ins.
One Page. One Direction.
There may be hundreds of pages of supporting analysis behind your plan. What you see is one clean, focused strategy document. Updated as your situation evolves, easy to understand, and built to keep everyone aligned on what matters most right now.
Let’s Talk Through Your Priorities
A clear process starts with understanding what matters most to you. An initial conversation can help frame your current situation and the decisions ahead.
Schedule a 30-minute introduction to review your goals and planning considerations.
