Individuals and Families
Vermont-Based Financial Advisors Since 1992
Every individual’s values, goals, and financial circumstances are unique. But many advisors deliver templated guidance that doesn’t fully align with client expectations.
At InTrack, we craft comprehensive financial strategies that mesh with your unique life journey. For over 30 years, we have helped individuals across the country navigate their financial future with clarity and confidence from offices in Burlington and Norwich, Vermont.
Personalized Investment Management
Investing can be highly complicated, with lots of industry jargon and a wide range of risks to consider. That’s why people in Burlington, Norwich, and across the US prefer to work with advisors who strive to help simplify the process.
Our team designs and actively manages investment portfolios for retirement, taxable and trust accounts by aligning desired outcomes with your objectives and risk tolerance, adapting to market shifts and your evolving needs.
Financial Planning
From monthly expenses to achieving important long-term milestones, it is easy to lose track of your financial goals. But with a holistic plan built around your lifestyle and aspirations, financial decisions can be easier to manage.
Our Burlington and Norwich-based team helps create a robust financial roadmap for your future. We work proactively with you to understand your current situation and create personalized recommendations designed to help you balance your short-term needs with longer-term cash flow requirements and wealth aspirations.
Retirement Planning
Retirement should be a positive step, but sometimes many people in Vermont are unsure if they will be able to fund their retirement lifestyle. From accumulating enough retirement assets to help plan your retirement income to figuring out how to best utilize your newfound free time, the process of preparing to retire can feel stressful to some.
Our retirement planning services help you prepare for a secure and fulfilling next chapter, whether it's on the horizon or years ahead. Our retirement planning services can include:
- Optimizing 401(k), 403(b), IRA, and pension plans
- Maximizing Social Security benefits
- Stress-testing retirement scenarios
Tax Management Strategies
Tax obligations are complex and you may fear you are paying more than is necessary. But we can help you evaluate your true tax requirements and build strategies that may provide some relief.
Our approach aims to enhance your after-tax returns and minimize unnecessary tax burdens. Our tax management services can include:
- Opportunistic tax-loss harvesting
- Analyzing Roth conversion opportunities
- Seamless coordination with tax professionals
Estate Planning
Understanding the legacy you want to leave, and structuring the optimal framework to carry out your wishes is paramount. However, without proper documentation and thoughtful financial planning, the transition of your assets may be compromised or become unnecessarily complicated.
We assist in creating a lasting impact and ensuring your wishes are carried out efficiently. Our estate planning services can include:
- Minimizing estate tax liability
- Facilitating smooth wealth transfer across generations
- Coordinating with estate planning attorneys
Sustaining and Growing Wealth Over Time
Increased wealth can bring complexity you weren’t prepared for. Our advisors in Burlington and Norwich, VT, help you explore ways to potentially reduce that complexity and protect your wealth.
We identify and mitigate potential financial obstacles to keep you on course toward your goals. Some ways we may be able help include:
- Analyzing insurance coverage against key risks
- Developing strategies to manage long-term care needs
- Proactively monitoring and adjusting risk management plans