Wealth & Investment Planning in Denver
Connect Your Investment Decisions to the Financial Plan They Support
Your investments may support future income, retirement, family priorities, business decisions, charitable goals, or the legacy you would like to leave.
Borwick Wealth Management begins by understanding the role of your assets and how they fit within your broader financial plan. We consider your investment questions alongside your income needs, time horizon, risk considerations, taxes, fees, and other priorities relevant to your circumstances.
Two no-obligation introductory meetings are available to help you understand the process, ask questions, and assess fit.
When Investments Need to Be Considered in a Broader Context
Investment questions often develop as a person’s financial life becomes more complex.
You may have accounts from different employers, investments held across several institutions, changing income, an approaching retirement transition, or questions about how your portfolio relates to future cash flow. If you own a business, the company may also represent an important part of your personal financial picture.
Wealth and investment planning helps organize these questions around the role of your assets and the priorities they are meant to serve.
Existing Borwick tax clients can also use wealth and investment planning to discuss financial questions that extend beyond the annual tax return.
What Is Wealth and Investment Planning?
Wealth and investment planning considers how your accounts and portfolio relate to your goals, income needs, time horizon, risk considerations, taxes, fees, and longer-term priorities.
The process looks at what different assets are for, how your investments are currently organized, and which questions may deserve a closer review.
At Borwick Wealth Management, portfolio discussions begin with planning. We seek to understand your circumstances and priorities before discussing whether any investment decisions should be considered.
What Can Wealth & Investment Planning Include?
The scope of the planning process depends on your circumstances, priorities, accounts, and relationship with Borwick Wealth Management.
Portfolio Purpose and Organization
Review what your different accounts and investments are for, how they are organized, and how they relate to your current and longer-term priorities.
This may include examining accounts held across different employers or financial institutions and considering the role each account plays within the broader plan.
Diversification, Costs, and Investment Structure
Review diversification, investment selection, account structure, fees, and other factors that influence how the portfolio functions as a whole.
This broader view can help identify questions that may be difficult to see when each account is considered separately.
Risk, Time Horizon, and Income Needs
Consider when different assets may be needed, the income or withdrawals they may eventually support, and the investment risks involved.
Some assets may be intended for near-term needs, while others may support priorities that are years or decades away. Those timelines provide important context for reviewing how investments are structured.
Tax Considerations Within Investment Planning
Taxes may be one factor when reviewing investment income, account types, transactions, withdrawals, charitable priorities, and other decisions.
Borwick Wealth Management considers tax questions alongside portfolio purpose, diversification, risk, time horizon, income needs, fees, and the broader financial plan. Tax considerations do not automatically determine an investment decision.
Retirement, Beneficiaries, and Estate Considerations
Review how investments relate to anticipated retirement income needs, beneficiary designations, account ownership, family priorities, charitable interests, and estate considerations.
Borwick Wealth Management can also help organize financial questions to discuss with an estate-planning attorney. We do not provide legal advice or prepare legal documents.
A Planning-First Approach to Investment Decisions
Investment planning begins with understanding the purpose of the assets and the financial circumstances surrounding them.
1. Begin With Your Priorities
We start by discussing your circumstances, responsibilities, income needs, business interests, and the questions already on your mind.
2. Review the Current Investment Picture
We gather information about the accounts and investments relevant to the conversation.
3. Consider the Connections
We discuss how investment questions relate to the other parts of your financial life that are relevant to the decision.
4. Identify Questions for Further Review
We help organize the investment picture and identify questions that may deserve further attention.
New planning clients typically meet six to eight times during the first year.
Investment Planning for Business Owners
For many business owners, personal wealth and business decisions develop alongside one another.
Cash retained in the company, owner income, retirement-plan considerations, succession questions, insurance needs, and assets connected to the business may influence the owner’s personal financial picture.
Borwick Wealth Management considers how personal investments, business interests, and long-term priorities may connect. The conversation can address the role of your personal assets, how the business relates to your financial plan, and which questions deserve attention across both areas.
For a broader review of business cash flow, profitability, reserves, capacity, owner decisions, tax considerations, insurance planning, and transition questions, explore our Business Optimization services.
Explore Business Optimization
Insurance Within the Broader Financial Picture
Insurance considerations may relate to family responsibilities, income, business obligations, cash flow, healthcare needs, existing resources, and longer-term priorities.
When relevant, Borwick Wealth Management can review how insurance considerations connect with the wider financial plan. Our dedicated insurance pages explain the services available for individuals, families, and business owners.
Explore Insurance Planning
Why Borwick Wealth Management?
Planning Before Portfolio Decisions
Before discussing portfolio changes, we seek to understand your goals, cash flow, time horizon, income needs, risk considerations, taxes, fees, diversification, family priorities, business interests, and the purpose of your investments.
Direct Tax Preparation as a Separate Capability
Our tax-planning and direct tax-preparation capabilities can provide additional context for conversations about investments, income, retirement, business activity, and other financial decisions.
A Manageable, Meeting-Based Process
New financial-planning clients typically meet six to eight times during the first year. This allows individual topics to receive focused attention without trying to address every financial question in one or two conversations.
In-Person and Virtual Relationships
Borwick Wealth Management is based in Denver and works with clients in multiple states. Meetings are available virtually and in person by appointment at our Denver office.
A Grounded, Planning-First Perspective
Noah Borwick, Wealth Advisor, brings experience in financial advising, banking, entrepreneurship, tax preparation, and financial education to his work with clients.
Before founding Borwick Wealth Management, Noah served as a banking Vice President and Wealth Advisor. His experience with investments, taxes, business ownership, and financial education helped shape Borwick’s coordinated, planning-first approach.
A Denver native, Noah works with clients in person and virtually across multiple states.
Meet Noah
Frequently Asked Questions
Wealth and investment planning considers how your accounts and portfolio relate to your income needs, time horizon, risk considerations, taxes, fees, retirement plans, family priorities, business interests, and other parts of your financial life. The process begins with understanding the role of your assets. It then provides a way to review how your investments are organized and which questions may deserve further attention.
Investment management focuses on the portfolio and the ongoing decisions associated with it. Holistic financial planning considers investments alongside other areas of your financial life, such as cash flow, taxes, retirement, insurance, estate considerations, family responsibilities, and business decisions. At Borwick Wealth Management, investment planning begins with understanding the broader plan and the role the investments are meant to serve.
The review may consider the purpose of your investments, existing accounts, income needs, time horizon, risk considerations, diversification, fees, taxes, family priorities, and business interests. The specific factors reviewed depend on your circumstances and the scope of your relationship with Borwick Wealth Management.
Taxes may be one consideration when reviewing investment income, account types, transactions, withdrawals, charitable priorities, and other financial decisions. Borwick Wealth Management considers tax questions alongside the portfolio’s purpose, risk, diversification, fees, time horizon, income needs, and the broader financial plan. Tax considerations do not automatically determine an investment decision.
Yes. Borwick Wealth Management works with business owners whose personal wealth and company-related decisions may overlap. Investment-planning conversations may consider personal assets, business interests, owner income, retirement priorities, succession questions, and the role the company plays in the owner’s broader financial picture. Business Optimization is also available for a wider review of company and owner-related financial questions.
Borwick Wealth Management offers two no-obligation introductory meetings. These conversations allow you to discuss what prompted your search, ask questions, learn how Borwick approaches wealth and investment planning, and assess whether the relationship may be a good fit. The introductory meetings do not require you to commit to an ongoing engagement.
Start With the Investment Questions Already on Your Mind
You do not need to make a portfolio decision before beginning the conversation. Start with what your accounts are for, what has changed, or which investment and planning questions may be connected.
Two no-obligation introductory meetings give you time to ask questions, understand our approach, and assess whether Borwick Wealth Management may be a good fit.
Schedule an Introductory Meeting Today
