Davis Capital offers fee-only fiduciary advice to help you minimize taxes, maximize investments, plan your estate strategically, safeguard assets, and optimize retirement goals and incomes.
We prioritize your long-term financial objectives and income needs to create a strategy that aligns with your vision.
In-depth analysis of your financial landscape
Private Client Associate
Based on your assessment, our team designs a bespoke investment portfolio
We provide continuous monitoring of your portfolio and regular updates, making adjustments as needed.
"Troy explains everything so thoroughly and in terms I better understand. The best part of our relationship is that we are confident that he has set us on a course for a comfortable retirement!"
Becky D.
"He made me feel comfortable about moving my money and introduced long-term strategies for future planning. He contacts me quarterly, and I’m very pleased with the attention and growth of my investments."
Ian E.
"Trusting Davis Capital Management with my financial planning and investments has been a wonderful decision.The staff is attentive, brilliant and dedicated; it makes the process seamless. Thank you Davis Capital!"
Megan A.
A fiduciary advisor is distinct from a broker-dealer or insurance salesman in their legal obligation. Fiduciary advisors are bound by a fiduciary duty to act in the best interests of their clients, prioritizing client welfare over personal gain. They are committed to providing unbiased advice and avoiding conflicts of interest. In contrast, broker-dealers and insurance salesmen may operate under a suitability standard, meaning their recommendations need only be suitable for the client, potentially allowing for conflicts of interest. Clients seeking a higher standard of care and transparency often choose fiduciary advisors for their ethical commitment to client well-being.
A Certified Financial Planner (CFP®) designation is a professional certification for financial advisors, indicating a high level of competency, ethics, and expertise in financial planning. Awarded by the Certified Financial Planner Board of Standards, Inc. (CFP® Board), individuals with this designation have completed rigorous education, examination, and experience requirements. CFP® professionals are well-versed in various aspects of financial planning, including investments, retirement planning, tax strategies, estate planning, and insurance. Holding a CFP® designation demonstrates a commitment to ethical standards and a comprehensive understanding of financial planning principles, making CFP® professionals highly qualified to assist individuals and families in achieving their financial goals.
A Certified Financial Planner (CFP®) designation is a professional certification for financial advisors, indicating a high level of competency, ethics, and expertise in financial planning. Awarded by the Certified Financial Planner Board of Standards, Inc. (CFP® Board), individuals with this designation have completed rigorous education, examination, and experience requirements. CFP® professionals are well-versed in various aspects of financial planning, including investments, retirement planning, tax strategies, estate planning, and insurance. Holding a CFP® designation demonstrates a commitment to ethical standards and a comprehensive understanding of financial planning principles, making CFP® professionals highly qualified to assist individuals and families in achieving their financial goals.
When considering options for a 401(k) from a previous employer, you typically have several choices. First, you can leave the funds in the existing 401(k) plan, though you won’t be able to make additional contributions. Alternatively, you may roll over the funds into your new employer’s 401(k) plan if allowed. Another option is to roll over the funds into an Individual Retirement Account (IRA), providing more investment flexibility. Additionally, you could cash out the 401(k), but this may incur taxes and penalties. It’s crucial to assess your financial goals, tax implications, and investment preferences before deciding on the most suitable option for your specific situation.
A Roth IRA and a Traditional IRA differ primarily in their tax treatment. With a Traditional IRA, contributions are often tax-deductible, providing an immediate tax benefit. However, withdrawals in retirement are taxed as ordinary income. In contrast, Roth IRA contributions are made with after-tax dollars, offering no immediate tax deduction. The key advantage lies in tax-free withdrawals of both contributions and earnings in retirement. Choosing between them depends on your current and future tax situation. If you seek upfront tax benefits, a Traditional IRA may be preferable. However, if you anticipate higher taxes in retirement and desire tax-free withdrawals, a Roth IRA could be the more advantageous choice. As your financial advisor, we can tailor the decision to align with your unique financial goals and circumstances.
Crafting a personalized financial plan is essential to help you achieve your unique goals. We begin by understanding your aspirations, financial situation, and risk tolerance. Through comprehensive analysis, we develop a tailored strategy encompassing budgeting, investment planning, and risk management. This plan serves as a roadmap, guiding you toward objectives like retirement, education funding, and wealth accumulation. Regular reviews and adjustments ensure alignment with changing circumstances. Our commitment is to provide expert guidance, leveraging our skills and knowledge to optimize your financial well-being. Partnering with a trusted financial advisor like Davis Capital Management empowers you to navigate the complexities of financial planning with confidence and achieve a secure financial future.
Certainly, as your financial advisor, we can play a pivotal role in coordinating and optimizing your estate planning. By collaborating with legal professionals, we can address key aspects such as wills, trusts, and beneficiary designations. We will work closely with you to understand your legacy goals, ensuring that your assets are distributed according to your wishes while minimizing tax implications. We’ll also explore strategies for wealth preservation and transfer, considering factors like charitable giving or establishing trusts for heirs. Regular reviews of your estate plan will be conducted to adapt to changes in your life or the regulatory landscape. Our aim is to provide comprehensive support, ensuring your estate plan aligns seamlessly with your overall financial objectives.
Investment tax planning is crucial for optimizing your financial outcomes. As your financial advisor, we will strategically structure your investments to minimize tax liabilities, enhancing your overall returns. By leveraging tax-efficient investment vehicles, managing capital gains, and implementing strategic asset location strategies, we aim to preserve more of your wealth. Regular reviews will be conducted to align your portfolio with changing tax laws and your evolving financial situation. Through proactive tax planning, we can help you make informed decisions that contribute to long-term financial success, ensuring that you keep more of what you earn and achieve your investment goals with tax-smart strategies.
