At URS Advisory, wealth management is an ongoing process that combines active portfolio management with year-round financial planning. Your life isn't lived in a single lane, and your retirement plan shouldn't be either. Every portfolio decision is made within the context of your broader financial plan and is revisited as your life, goals, and the markets change.
Year-Round Financial Planning and Portfolio Oversight
Our process is anchored by two formal planning meetings each year. These meetings focus on both strategy and execution. We review:
- Life changes, goals, and priorities
- Portfolio allocation, risk exposure, and positioning
- Active portfolio adjustments and rebalancing decisions
- Monte Carlo analysis to stress-test long-term outcomes
- Guardrail analysis to monitor spending sustainability
- Tax strategy, charitable giving, and gifting opportunities
Our clients receive structured, proactive planning support throughout the year, ensuring that every aspect of your financial life is reviewed at the right time, every year.
Spring | Preparation and Tax Clarity
Spring focuses on preparing for tax filing and reinforcing your overall tax strategy. We provide a Tax Summary Preparation Letter that outlines the relevant documents needed to file your return and highlights key planning considerations. This creates clarity, reduces last-minute stress, and ensures tax decisions remain aligned with your broader plan.
Summer | Protection and Coverage Review
Summer is dedicated to risk management and protection planning. During this season, we review Medicare coverage, life insurance, and long-term care strategies to confirm that your coverage keeps pace with your assets, health, and family needs.
Fall | Confirmation and Legacy Alignment
Fall is reserved for confirming that your plan still reflects your wishes. We review beneficiary designations and estate planning documents to ensure accounts, titles, and instructions remain consistent with your intentions and long-term legacy goals.
Winter | Tax Return Review
Once your tax return is filed, we review it to identify planning opportunities for the year ahead. This includes evaluating income sources, deductions, credits, and account activity to spot ways to improve tax efficiency going forward. The goal is not to look backward, but to use your completed return as a planning tool to inform future tax strategy, Roth conversion decisions, charitable planning, and cash-flow timing.
Throughout the year, and especially during periods of market volatility, we actively monitor and manage portfolios. This includes rebalancing, risk management, and portfolio adjustments informed by market conditions, tax considerations, and guardrail analysis.
Investment Implementation
URS Advisory provides professional money management through our custodian, Charles Schwab. Portfolios are constructed using a combination of individual securities and exchange-traded funds (ETFs). We utilize ETFs from well-established investment managers such as Vanguard, BlackRock, State Street Global Advisors, Invesco, and Schwab, among others. Our ETF selection process is deliberate. We choose funds led by experienced portfolio managers with a disciplined investment approach, thoughtful risk controls, and a deep understanding of the markets.