Helping Families Plan Across Generations

 

At Shrom Associates, many of the relationships we value most are with families we have worked with over many years and, in most cases, across multiple generations.

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Our work is not just about one account or one investment decision. It is about helping families stay organized, make thoughtful financial decisions, and think ahead for the people and goals that matter most.​

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Planning for More Than One Generation

 

Every family is different. Some families are preparing for retirement. Others are helping children or grandchildren get started. Some are thinking about inherited accounts, beneficiaries, charitable giving, or how to pass assets on in an organized way.

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We help families review and think through areas such as:

• Retirement accounts

• Investment accounts

• Old 401(k)s and IRAs

• Beneficiary designations

• TOD registrations

• Inherited accounts

• Education savings

• Family legacy goals

• Organizing accounts for the next generation

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Helping Parents, Children, and Grandchildren

 

One of the benefits of working with a family-run practice is that we understand how important trust and relationships are. Many clients want their children or grandchildren to have someone they can call with questions and someone who understands the family’s financial picture.

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We can help younger family members get started with saving and investing, while also helping parents and grandparents think through retirement, income needs, beneficiaries, and legacy planning.

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Keeping Accounts Organized

 

Over time, families can end up with accounts in many different places. Old 401(k)s, IRAs, bank accounts, CDs, investment accounts, life insurance policies, and inherited accounts can become difficult to track.

We help clients review what they have, where it is located, how it is titled, and whether it still fits their current goals.

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Planning for the People You Care About

 

For many clients, the goal is not just to build wealth. It is to use money as a tool to support retirement, care for family, help the next generation, give to meaningful causes, and leave things more organized for loved ones.

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Our goal is to explain options in plain English and help families make thoughtful decisions for today and the future.

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A Long-Term Relationship

 

Some clients like to meet every year. Others prefer to check in only when something changes. Either way, we want to be a long-term resource for your family as life, goals, and needs change over time.