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At Roundtree Financial, we cater to business owners, professionals, and affluent families whose financial situations have become complex and time consuming.

Our financial planning services can help you pinpoint your most important financial objectives.  After we identify these objectives, we will assist you in prioritizing them based on their importance to you, your family, and your business.  As your financial advisors, we will then evaluate your present financial arrangements with regard to their capacity towards achieving your objectives.  Throughout this process we will provide you with all the information, help, and analysis necessary for you to make informed decisions.

Our approach to financial planning is unparalleled in that we strive to create a living and workable strategy unique to your needs and concerns.  Our objective is not to identify one particular strategy, but to clearly outline your strategic options in the scope of an integrated approach to benefit you today and in the future.  Often there is not one strategy.  Knowing the advantages and disadvantages of each is critical to your decision making.  We work closely with each of our clients to identify and evaluate the appropriate range of alternatives so that each client can make informed and timely decisions regarding each of the financial strategies under consideration.

Our goal is to keep you informed during the financial planning process so that you are in a position to make sound and justified decisions regarding your financial well-being.  Our ultimate objective is to become the guardian of your objectives.

Results are the reason for financial planning in the first place.  So, in addition to the financial plan itself we can assist you in implementing and coordinating each of the strategies you select.

The work we do, however, does not replace the need for your CPA or attorney.  In fact, we strongly believe that checks and balances are an integral part of any successful financial plan.  As a result, it is our intention to work with your other advisors as a team player, a team committed towards your financial success.

Financial Planning: Your Blueprint for Success

Our experienced team focuses on creating customized financial plans designed to lay the foundation for your success. Whether you're starting from scratch or looking to refine your existing plan, we're here to help. Our services include: 

Financial Planning: Your Blueprint for Success
  • Building Your Financial Plan: We understand that every individual's financial situation is unique. Our team will work closely with you to understand your goals, aspirations, and challenges, creating a comprehensive financial roadmap tailored to your needs.
  • Implementing Your Plan: A well-crafted financial plan is only effective when put into action. We'll assist you in implementing the strategies outlined in your plan, helping to ensure that you're on track to achieve your financial objectives.
  • Ongoing Management: Your financial journey is an evolving process. We'll continuously monitor your plan's performance and make the necessary adjustments to keep you aligned with your goals as life's circumstances change.

Investment Management: Tailored Solutions

Our investment management services are designed to help you grow, protect, and eventually transfer your wealth. We employ a disciplined approach to investing, leveraging our knowledge to help you make informed decisions that align with your financial goals.

Roundtree Financial provides professional management of a client's investment portfolio to help them achieve their financial goals while considering their risk tolerance and time horizon. Here are key components of investment management services:

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  • Portfolio Construction: Financial advisors or portfolio managers work with clients to design a diversified investment portfolio tailored to their specific goals, risk tolerance, and financial situation.
  • Asset Allocation: Determining the optimal mix of asset classes (e.g., stocks, bonds, real estate, cash) to balance risk and return based on the client's objectives.
  • Investment Selection: Selecting individual investments, such as stocks, mutual funds, exchange-traded funds (ETFs), and bonds, to populate the portfolio.
  • Risk Management: Monitoring and managing risk through strategies like diversification, hedging, and asset rebalancing to maintain the desired risk profile.
  • Performance Monitoring: Tracking the performance of the portfolio relative to benchmarks and goals and making adjustments as needed to stay on track.
  • Tax Efficiency: Implementing tax-efficient investment strategies to minimize capital gains and tax liabilities.
  • Cost Management: Minimizing investment costs, including fees, trading expenses, and taxes, to enhance overall returns.
  • Rebalancing: Periodically adjusting the portfolio to bring it back in line with the target asset allocation, ensuring it remains aligned with the client's goals.
  • Asset Location: Placing investments in the most tax-efficient accounts (e.g., retirement accounts, taxable accounts) to optimize after-tax returns.
  • Goal Planning: Continuously aligning the investment strategy with the client's financial goals, such as retirement, education funding, or buying a home.
  • Reporting and Communication: Providing regular reports and communication to keep clients informed about the performance and progress of their investments.
  • Investment Research: Conducting research and due diligence on investment opportunities, including assessing risks and potential returns.

Investment management services aim to help clients grow their wealth, protect their assets, and achieve their financial objectives by creating and maintaining a well-structured and disciplined investment strategy. Clients often work closely with financial professionals to ensure that their investments align with their overall financial plan and risk tolerance.

Insurance Services: Safeguarding Your Future

Protecting what matters most is at the core of our insurance services. We'll help you assess your risks and identify the right insurance solutions to provide a sense of security for you and your loved ones. 

Client Centered
  • Needs Assessment: we assess a client's insurance needs by evaluating their financial situation, goals, and potential risks. This includes reviewing existing insurance policies, if any, and identifying coverage gaps.
  • Risk Analysis: Identifying and quantifying potential risks, such as health issues, disability, premature death, and long-term care needs.
  • Policy Recommendations: Recommending appropriate insurance policies to address specific risks. 
  • Coverage Amount: Determining the appropriate coverage amount for each type of insurance based on the client's financial situation and risk tolerance. 
  • Policy Selection: Helping the client choose the most suitable insurance policies and options, such as term vs. permanent life insurance, deductible amounts, and coverage riders.
  • Policy Comparison: Provide comparisons of insurance policies from multiple providers to find the right coverage at competitive rates.
  • Premium Analysis: Evaluating the cost of insurance premiums and how they fit within the client's budget. Advising on premium payment frequency (e.g., monthly, annually) and premium financing options.
  • Underwriting: Assisting the client through the insurance underwriting process, which involves the insurer assessing the client's risk factors, health, and lifestyle to determine eligibility and premium rates.
  • Policy Integration: Ensuring that insurance policies are integrated into the overall financial plan to protect against identified risks and provide financial security for the client and their beneficiaries.
  • Policy Review: Regularly reviewing and updating insurance policies to account for changes in the client's life, financial situation, or goals.
  • Claims Assistance: Providing support and guidance to the client or their beneficiaries in the event of a claim, ensuring a smooth and efficient claims process.
  • Estate Planning: Incorporating life insurance into estate planning to provide liquidity for estate taxes or equalize inheritances among heirs.
  • Tax Efficiency: Advising on the tax implications of insurance policies, including tax-free benefits and potential tax deductions for certain types of insurance.

Insurance services in financial planning are designed to protect and enhance a client's financial well-being by mitigating risks and providing financial security in times of need. These services require ongoing monitoring and adjustments as the client's circumstances change.

Retirement Planning

Retirement planning is a crucial component of financial planning that involves setting financial goals and creating a strategy designed to ensure a comfortable and secure retirement. It typically includes:

Client Centered
  • Setting retirement goals: Determining your desired lifestyle, expenses, and retirement age to calculate how much money you'll need in retirement.
  • Savings and investments: Creating a savings plan and investing wisely to accumulate the necessary funds for retirement. Common retirement accounts include 401(k)s, IRAs, and pension plans.
  • Asset allocation: Balancing your investment portfolio to manage risk and maximize returns based on your risk tolerance and time horizon until retirement.
  • Budgeting and expense management: Monitoring and controlling your expenses to ensure you're saving enough for retirement while maintaining your current lifestyle.
  • Social Security and other benefits: Understanding government benefits, like Social Security, and incorporating them into your retirement income plan.
  • Tax Planning: Optimizing your tax strategies to minimize the tax impact on your retirement savings and income.
  • Estate Planning: Preparing for the distribution of assets and the well-being of your heirs after retirement.

Overall, retirement planning is about making informed financial decisions throughout your working years to ensure financial security and a comfortable lifestyle during retirement. It helps individuals build a financial nest egg and a strategy to support their needs and aspirations in later life.

Business Owner Services: Empowering Your Enterprise

Running a business demands specialized financial strategies. Roundtree Financial's Business Owner Services are tailored to guide you through the complexities of entrepreneurship and business ownership, ensuring your business thrives at every stage.

Our Services Cover:


Attract and retain top talent with competitive employee benefit packages. We assist in designing benefits that align with your business objectives and cater to your employees' needs.

Succession & Exit

Prepare for the future by developing a solid succession plan. Whether you're passing the business to a family member or planning an exit strategy, we'll guide you through the process.



and Expansion

Whether you're looking to expand your business or make strategic investments, we provide guidance to ensure your decisions align with your financial goals.


Identify and mitigate potential risks that could impact your business's financial stability, allowing you to proactively protect your assets.

Estate Planning Strategies

We provide financial services aimed at managing and optimizing the transfer of wealth and assets to heirs and beneficiaries while minimizing taxes and ensuring the client's wishes are met. We will coordinate with your professional advisors, such as your attorney and accountant, to help accomplish this. Here are key components of estate planning strategies:


Estate planning strategies  focuses on how to pass on assets, such as real estate, investments, businesses, and valuable possessions, to heirs or charitable organizations efficiently.


Protecting assets from potential creditors, lawsuits, or unexpected financial challenges is a priority for wealthy clients. Estate planning attorneys can set up structures like trusts or family limited partnerships to shield assets.


High net worth clients often face significant estate taxes. Estate planners employ various strategies to minimize these taxes, such as trusts, gifting, and other tax-efficient vehicles.

Will and
Trust Creation

Crafting legally binding documents like wills and trusts to specify how assets should be distributed and who should manage them after the client's passing. We will work with your attorney to help get these documents in place.


Designing philanthropic strategies working with your attorney, to include charitable trusts and foundations, to support causes the client cares about while also gaining potential tax benefits.

Succession Planning

For clients who own businesses, estate attorneys help create succession plans to ensure a smooth transition to heirs or key employees.


Addressing family dynamics and potential conflicts to ensure a harmonious wealth transfer process.


Recommending life insurance policies that can provide liquidity to cover estate taxes or provide for heirs.

Healthcare Directives
and Powers of Attorney

Ensuring clients' wishes are honored for medical decisions and financial management in case of incapacity. We will work with your attorney to help assure these documents are in place. 

and Updates

Regularly reviewing and updating the estate planning strategies to adapt to changing laws, financial circumstances, or family dynamics.


 Assisting clients in aligning their wealth with philanthropic goals, such as working with your attorney to establish charitable foundations or donor-advised funds.

Estate planning services for higher net worth clients are highly customized and may involve collaboration with legal professionals, accountants, and financial advisors to create comprehensive strategies designed to preserve wealth, protect assets, and fulfill the client's long-term objectives. These services are essential for managing complex estates and ensuring a legacy that aligns with the client's values and goals. We're here to help the whole way through. 

Family Planning: Securing Your Legacy

Planning for your family's future is a critical aspect of financial success. Our family planning services encompass estate planning, education funding, and generational wealth strategies to ensure that your legacy endures. When it comes to family there is no such thing as being overprepared. Our family planning services will help ensure that you and your loved ones are prepared for life’s big events.

Family Planning: Securing Your Legacy
  • College Funding: Assisting you in creating a strategic financial roadmap to navigate the costs of higher education.
  • Budgeting for family expenses: Estimate the costs associated with having children, including healthcare, education, childcare, and everyday expenses. Adjust your budget to accommodate these additional costs.
  • Emergency fund: Ensure you have a sufficient emergency fund in place to cover unexpected family-related expenses, such as medical bills or parental leave without jeopardizing your financial stability.
  • Insurance coverage: Review your health insurance to understand coverage for pregnancy and childbirth. Consider life insurance to protect your family's financial future in case of unexpected events.
  • Estate planning: Work with your attorney to establish or update your estate plan, including guardianship arrangements for children and beneficiaries in case something happens to you or your spouse. 
  • Income planning: Consider how changes in your family structure, such as one spouse staying at home or working part-time, will affect your household income and make necessary adjustments to your budget and financial plans.

Coordination with Other Advisors: Holistic Approach to Success

We believe in a holistic approach to financial management. Our collaboration with your other trusted advisors, including tax advisors, attorneys, and real estate professionals, helps ensure that all aspects of your financial life are seamlessly integrated:

Family Planning: Securing Your Legacy
  • Tax Advisors / CPAs: We collaborate with your existing tax advisors and CPAs to ensure a holistic financial strategy. This collaborative effort enables us to make informed decisions that align with your overall financial goals, ultimately maximizing your wealth and minimizing unnecessary tax burdens.
  • Attorneys: Legal considerations are a crucial part of your financial plan. We work closely with legal professionals to ensure that your estate and wealth preservation strategies are legally sound and well-coordinated.
  • Real Estate Advisors: Whether you're buying or selling property, our collaboration with your real estate professional can help ensure that your real estate decisions align with your overall financial goals.
  • Other: We also work with third party Administrators, trustees, executors, and trusted family members based on your needs.

At Roundtree Financial, your success is our priority. We are dedicated to providing you with comprehensive financial strategies that can empower you to make informed decisions and achieve your aspirations.   

Equitable Advisors, LLC does not provide tax or legal advice.   Please consult your tax and/or legal advisors regarding your particular circumstances

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