Services

Custom strategies that span your financial life.

We take a comprehensive approach to financial planning that puts your goals and values at the center of everything we do. Your plan is designed to evolve with you — not sit on a shelf.

After implementing your financial plan, we proactively check in on a regular basis to review your progress, update your plan, and discuss how any life changes or market developments may affect your strategy.

Independent guidance built around your life goals.

 Investments play an important role in your long-term financial success — but they’re just one piece of a bigger picture. At The Erskine Group, we build portfolios that reflect your goals, values, and comfort with risk — not just market trends or model allocations.

Unlike many firms that rely heavily on proprietary products or standardized model portfolios, we take an agnostic approach to investment selection. Through our advisor’s affiliation with LPL Financial — the nation’s largest independent broker-dealer — we are not tied to any single investment provider or strategy.

This independence allows us to offer access to a wide universe of strategies, including third-party advisor portfolios, separately managed accounts (SMAs), structured strategies, alternatives, and direct indexing — all evaluated with your best interest in mind.

But more important than the tools is the relationship behind them. We’re not here to impress you with charts and jargon. We’re here to help you stay informed, make confident decisions, and feel supported — especially when markets feel uncertain.

While many firms stop at a quarterly review, we go further. We stay connected through:

• Quarterly portfolio check-ins and strategy reviews
• Weekly market commentary emails to keep you informed
• Personal outreach for birthdays, anniversaries, and milestones
• Timely updates when opportunities arise or markets shift
• Ongoing access when you need a sounding board

Your investment strategy is never static — and neither is our support.

Strategies to help optimize your next chapter of life.

Retirement is the largest expense most families must plan for, and you only have one chance to get it right. At The Erskine Group, we know the financial uncertainties that tend to crop up as retirement nears. You may worry about running out of assets part way through retirement, or have concerns about how you will provide for your loved ones once you no longer have a steady source of employment income.

We understand these uncertainties and can help you make a plan to address them. Our goal as your trusted advisor is to help you feel more confident that the financial strategies you’re implementing today will help support your lifestyle long into the future.

Our retirement planning strategies include:

• Establishing a retirement savings and investment strategy to designed to pursue your growth and income needs in retirement

• Developing a tax-efficient retirement withdrawal strategy to support your lifestyle

• Incorporating retirement income from multiple sources to establish a monthly income stream designed to last throughout retirement

• Helping you plan for major purchases such as a second home, a boat, additional vehicles, significant travel, a grandchild’s college education, etc.

• Planning for healthcare and other unexpected expenses

A focus on protecting what you’ve worked so hard to build. If you’re not taking appropriate steps to protect your wealth, you could be putting your financial future at risk. That’s why we incorporate insurance planning and
risk management into each area of your financial life.

We take time to understand the current risk management strategies you have in place to identify any potential gaps in your existing coverage. We then propose specific insurance strategies we believe will help protect both your assets and your loved ones.

Based on your specific financial situation and potential risks, we may recommend any combination of the following insurance policies.

• Life insurance
• Long-term care insurance
• Property and casualty insurance, such as umbrella, homeowners, renters, and auto insurance

Holistic solutions to help reduce your tax exposure and maximize your wealth.

We strive to identify tax efficiencies across your entire financial life. Our approach helps us focus on lowering your liabilities while optimizing your net outcomes. We view every potential strategy through a tax-efficient lens, striving to reduce your tax exposure across your investment portfolio, income, estate plan, business succession plan, retirement savings, and more.

Legacy strategies to support the next generation.

If your goals include leaving a lasting financial legacy for the people and causes that matter most to you, you’ll need to have the appropriate estate planning strategies in place. As your financial partner, we facilitate conversations with qualified estate planning attorneys to help ensure your strategies meet your needs, are in line with your overall financial plan, and are well positioned to ensure a smooth transfer of assets to the next generation of family and business leaders.

Based on your current financial situation and future goals, we may recommend a combination of the following estate planning strategies.

• Last will and testament
• Financial power of attorney
• Medical power of attorney
• Living will
• Irrevocable life insurance trust
• Revocable living trust
• Donor-advised trust
• Charitable remainder trust
• Family limited partnership

A focus on maximizing your impact while minimizing your tax exposure.

If your financial goals include supporting charitable organizations that are near and dear to you, it’s important to have a strategy in place. While any organization would welcome a personal check to support their cause, it’s wise to take steps to optimize your donations while also enhancing the tax efficiency of your gifts.

We can help you articulate your charitable giving goals, identify which organizations you would like to support and establish a charitable giving strategy to help maximize your impact. Strategies to consider may include:

• Direct gift – While cash is the most common, many 501(c)(3) qualified organizations can also accept less traditional donations, such as real estate, artwork, and collectibles, grain, etc.
• Appreciated assets – Making an in-kind donation of appreciated stock or other assets can help minimize your tax exposure and maximize the donation the charity receives.
• Donor-advised fund (DAF) – A DAF allows you to make donations in a single year that can be spread out over multiple years. As the donor, you retain control over the timing of the distributions and the organizations to which donations are made. This approach can be a great way to reduce your tax exposure during years in which your income is greater than normal.
• Family foundation – Family foundations are typically used by ultra-high- net-worth families to support multiple generations of charitable giving.
• Charitable trusts – Charitable remainder trusts (CRTs) and charitable lead trusts (CLTs) can serve as tax-efficient charitable giving vehicles.

Ongoing communication to keep you informed and on track.

At The Erskine Group, you won’t wait three months to hear from your advisor. We’re active and engaged year-round — because your life doesn’t move quarterly. We remain actively engaged through:

• Daily social media content and thought leadership.
• Weekly market insights, client tips, and industry update
• Monthly email communications and planning reminders
• Quarterly strategic check-ins, investment reviews and portfolio adjustments
• Personal outreach for birthdays, anniversaries, and meaningful milestones
• Proactive calls when markets shift, opportunities arise, or something needs your attention
• Ongoing access to planning tools and reports through a secure digital portal, with the ability to meet virtually or in person based on your preferences and schedule.

Our goal is to be a consistent presence in your financial life — not just once a quarter, but whenever it matters most.

The Erskine Group’s boutique approach to client service is supported by the resources of LPL Financial, the nation’s largest independent broker-dealer. LPL has been serving advisors and investors for more than 30 years, and currently supports more than 29,000 financial advisors, representing 7 million investors across the United States.²

LPL empowers clients and advisors with a wide range of investment tools and planning strategies. LPL also takes on much of the back-office functions and complexity of running our advisory business, freeing us to focus on what matters most – helping our clients grow with grace and plan with purpose. Ready to get started? Contact us to schedule a complimentary consultation.