With access to advanced tools and full-service financial planning experts, our Financial Advisors provide tailored solutions for retirement, education and estate planning, along with comprehensive strategies designed to help take you where you want to go. Working together with our team of regionally based CERTIFIED FINANCIAL PLANNER^TM professionals, your Financial Advisor helps customize a financial plan based on your needs and goals that is designed to offer lasting financial security. We help our clients with:

• Financial Plan Development
• Retirement Planning
• Estate Planning
• Trust Services
• Educational Planning
• Insurance Planning
• Tax Planning
• Charitable Planning

You’re probably asking questions like “When do I want to retire?”, “How do I want to spend my time?”, “Do I have enough saved?” or “When should I draw on Social Security?” Your Baird Financial Advisor can help you bring clarity to your financial picture and chart a course to help you get to where you want to go. 

After completing our extensive discovery process to understand your story and your desires for retirement, we combine what you’ve told us with our expertise and experience to translate your vision into a series of actionable financial goals. On your road to retirement, we advise you on your retirement plan contributions and investment strategies to help ensure you’re on track. Using a goals-based investment planning process, our advisors work with you to track your progress so you can make proactive decisions about your future.

With a roadmap in hand, you can move forward confidently when it is finally time to bid farewell to the workforce. You won't have to wonder if your savings will support your retirement dreams and last your lifetime – regardless of whether retirement was your decision, your spouse’s decision or your employer’s decision.

Making the most out of our clients’ money starts with recognizing all the ways taxes can impact their financial future. Whether they’re focused on their retirement income, a business transaction or the best way to pass on their wealth to their heirs and favorite charities, understanding and efficiently managing any associated taxes are an important part of the process. Our tax planning covers:

• Tax Mitigation
• Tax Return Review
• Transaction Tax Analysis
• Tax Deferral Strategies
• Cash Flow and Required Minimum Distribution (RMD) Planning
• Charitable Giving Strategies
• Wealth Transfer Including Trust, Estate, and Gift Tax Planning
• Legislative Updates
• Asset Location Analysis

While the primary goal in making a charitable gift is to support a worthy cause, there are also tax and financial planning benefits for the donor that should be considered. Charitable giving services offered include:

• Direct Donations and Appreciated Securities
• Qualified Charitable Distributions (QCDs) 
• Bunching Strategies
• Donor-Advised Funds and Family Foundations
• Charitable Trusts

Your wealth management plans should determine which insurance coverage is right for you. With deep risk management expertise, we analyze our clients’ financial situations and recommend appropriate solutions and strategies to help protect their interests and mitigate risk.  Risk management and insurance services include:

• Liability Coverage Review and Planning
• Life Insurance, Including Second-to-Die Policies and Private Placement Policies
• Buy/Sell Funding
• Key Person Insurance
• Long-Term Care Insurance
• Disability Insurance
• Annuities
• Privacy Armor® Identity Protection

With more students graduating from college with thousands of dollars in student loan debt, funding an education can be one of the most impactful investments you can make. No matter how much time you have before the first tuition payment is due, we can help you plan for funding education in a way that makes the most sense for you and your family.

Through a time-tested planning process, your Baird Financial Advisor can help you understand all the variables at play and create an education plan that mirrors your values.

With a deep understanding of your financial goals and what’s important to you, I/we can design a customized investment portfolio that incorporates your values, time horizon and tolerance for risk. And you'll have peace of mind knowing that as your life and the market evolve over time, so will your portfolio.

• Portfolio Management
• Risk Profile Analysis
• Asset Allocation
• Comprehensive Advisory Solutions
• Brokerage Services
• Alternative Investments
• Cash Management

We offer a variety of services that allow clients to consolidate and simplify their banking and wealth management needs. Cash Management and Lending Services include:

• Cash Management
• Free Check Writing
• Insured Deposits
• Debit Card With Awards Points
• ATM Access With Rebated ATM Fees
• Free Foreign Transactions
• Direct Deposit and Electronic Transfer
• Concierge Services
   
• Lending
• Liability Planning
• Securities-Based Loans
• Margin Loans

Your Financial Advisor can help you explore solutions that address concerns about your business and can also offer guidance on making the right decisions about your company’s future. From retirement plans and insurance strategies to planning your transition to a new owner, your advisor will deliver a simplified solution that is tailored to your needs.

Whether you own a family business, startup or a complex organization, your Financial Advisor works in collaboration with our team of Baird Business Owner Solutions and retirement plan professionals to create a financial roadmap that makes sense for you and your organization and prepares you for the next chapter.

Personalized Wealth Management for Business Owners

Drawing on the expertise of our Business Owner Solutions and retirement plan professionals, your Financial Advisor can help you prepare for the next stage of your personal and professional journey.

• Mergers and Acquisitions
• Business Evaluations
• Transition Planning

Ensure Your Legacy Your Way

With nearly 40 years of experience providing trust administration, estate settlement and investment management services for individuals, families and institutional clients, the professionals at Baird Trust can help you protect, grow and transfer your wealth in a way that reflects your values and vision for the future.

Trustee Services

Trust Investment Management

Trust Estate Settlement

For more information on our trust services, click here.

Estate planning is more than completing a living will and filing documents with your attorney. It’s ensuring that the legacy you’ve created helps the people and organizations closest to you reach their dreams even after you’re gone. A thoughtful estate plan lets you pass on your assets the way you want, maximizing the financial benefit to your heirs and providing comfort during a difficult time in their lives. And we has the expertise to make sure your estate plan is working in sync with your larger wealth management plans by helping you:

• Give directly to people and causes that mean the most to you
• Designate someone to make decisions on your behalf in the event you can’t do so yourself
• Maximize your gifts’ benefit and tax efficiency
• Establish trusts without sacrificing flexibility if your circumstances change
• Set up charitable and family foundations
• Ensure that as your life changes, your estate plan stays up-to-date

We can help make sure your estate plan matches your wishes and ensures your legacy.

If you’re not used to having them, conversations surrounding family wealth can be awkward (at best) and at worst lead to in-fighting and a breakdown in trust. That’s especially true when talking about inheritance: Older generations often question if their kids are ready to grow into their roles as stewards of wealth, and younger generations often let inexperience and a fear of being judged keep them from asking important questions. In partnership with Baird Family Wealth and out advanced planning team we offer strategies to foster communication and to keep misunderstanding from sabotaging these crucial discussions.