Business Details
Your Trusted Financial Advisers in Merrimack, NH
Balanced Wealth Advisors has been dedicated to providing personalized financial guidance since 1993, with advisors boasting over two decades of combined experience in investment strategy and wealth management. Our approach prioritizes customized portfolio development tailored to individual client goals, emphasizing long-term financial security through retirement planning, tax efficiency, and estate management. We maintain rigorous research standards, utilizing multi-asset class portfolios and disciplined rebalancing strategies to align with client risk profiles.Our commitment to transparency and client education ensures informed decision-making, while our community involvement reflects our dedication to financial literacy beyond individual client services. We operate with full fee disclosure and maintain no conflicts of interest through third-party compensation arrangements.
Services
Retirement Planning
Tax Minimization
Estate Management
Investment Management
College Planning
Highlights and features
- We offer over 20 years of experience in personalized wealth management.
- Our customized portfolio development adapts to individual client needs.
- We implement a disciplined rebalancing strategy for long-term success.
- Our advisors maintain active community involvement in financial education.
- We operate with full fee transparency and no conflict-of-interest arrangements.
Services
Retirement Planning
Our retirement planning service helps clients transition from asset accumulation to sustainable income distribution. We develop customized strategies that account for inflation, market volatility, and individual risk tolerance. Our approach focuses on creating stable income streams while maintaining growth potential through diversified investment portfolios.
Tax Minimization
We specialize in legal tax reduction strategies that maximize after-tax returns. Our approach combines investment selection, account structuring, and timing strategies to minimize tax liabilities. We coordinate with clients' accounting professionals to ensure comprehensive tax planning integration with overall financial objectives.
Estate Management
Our estate planning service ensures efficient wealth transfer while minimizing tax implications. We help establish appropriate legal structures and coordinate with estate attorneys to implement effective succession plans. The service includes regular reviews to adapt to changing family circumstances and tax regulations.
Investment Management
We create customized investment portfolios using nine or more asset classes to match client risk profiles. Our disciplined approach includes ongoing monitoring and rebalancing to maintain target allocations. We focus on non-correlated assets to manage volatility while pursuing long-term growth objectives.
College Planning
Our college planning service helps families prepare for educational expenses through strategic savings and investment approaches. We analyze financial aid implications and recommend appropriate account structures. The service includes cash flow analysis to balance college funding with other financial priorities.
People
Edmund C. Hilston Jr.
Financial Advisor
Certified Financial Services professional with over 25 years of advisory experience. Former electrical engineer turned tax preparation expert since 1997. Active community leader in Merrimack, NH, with extensive youth mentorship background.
Dick Austin
Financial Advisor
MBA-holding financial advisor with 20+ years of experience. Former computer industry professional turned investment specialist. Active in local governance and community finance initiatives across New Hampshire and Florida.
Questions
How do you customize investment portfolios for individual clients?
We develop personalized portfolios using nine or more asset classes, adjusting allocations based on client risk tolerance, financial goals, and market conditions while allowing for client-specific investment preferences.
What makes retirement income planning different from regular investing?
Retirement planning focuses on sustainable income distribution rather than asset growth, emphasizing volatility management and implementing strategies to avoid forced sales during market downturns.
How do you measure investment performance effectively?
We benchmark each asset class against appropriate indices rather than using broad market averages, providing more accurate performance evaluation for diversified portfolios.
What additional services do you provide beyond investment management?
We offer comprehensive financial coaching covering college planning, tax strategies, estate management, and major life decisions like home equity decisions and retirement location planning.
How do you maintain investment discipline during market volatility?
We use systematic rebalancing strategies to maintain target allocations, helping clients avoid emotional decisions by selling over-weight positions and buying under-weight assets as needed.
