When working with you, we take a team approach to the planning process. This means each client benefits from the familiarity of working with their primary advisor, supported by our whole team to give you the best service and input when making decisions.
Bluestem's name comes from native Illinois prairie grasses known for their extensive root system. We believe the key to financial progress begins with growing deep financial roots through comprehensive planning.
Peace of mind comes from attention to all aspects of your financial life. While taxes and investments are key components of your personal financial plan, we take time to understand you - your goals, your values, your relationships, your personal history, every aspect of your finances – and our availability to you as part of your retainer helps us be effective, trusted guides during your life’s transitions.
After we get to know you and the extent of your planning needs, we will quote you an upfront fee for our services - the First Year Retainer. Calculated based on income, net worth and individual complexities, this retainer covers services provided in our first year as we mutually develop and implement your financial plan. As financial planning is an ongoing process, most clients continue to engage us year after year under an Ongoing Retainer. After the first year creating your comprehensive financial plan, the Ongoing Retainer helps to keep you on track and make adjustments as life happens.
We enjoy working with a variety of client situations and life stages, but have developed unique expertise in helping clients in the following situations:
- Prioritizing savings plans for the future (emergency savings, children's college, retirement, etc.)
- Navigating financial decisions around life changes including starting a family, buying a home, or career changes
- Cashflow planning and student loan strategies for advanced degrees and professional education
- Insurance needs for protecting new and growing families
- Simplifying and consolidating financial accounts and complexity accumulated over a lifetime
- Determining resources needed to afford desired lifestyle in retirement and keeping goals on track
- Navigating the transition to retirement, including creating a Retirement Paycheck from the portfolio
- Planning and implementing a strategy for charitable and family gifting
- Decision-making and evaluating career opportunities of tenure track and administrative positions
- Coordination of retirement plans from various university positions, including expertise in the State University Retirement System (SURS)
- Tax planning for supplemental income sources including book and patent royalties, honorariums, and consulting