How to Hire Generation Capital Management
We Have a Solution for Your Needs
If you’re wondering how to hire Generation Capital Management, the process is simple and flexible. There are four primary ways that you can receive guidance from our team :
GCM can manage your investments
For individuals and families (in-house separately managed accounts, in certain 403(b)s through Aspire Financial, or in a variety of employer-sponsored investment accounts)
For all entities (businesses, non-profits, municipalities, trusts, estates, etc.)
You can choose one of our standalone financial planning offerings through genPOWERMENT
We can provide services for financial planning on an hourly basis
If you’re a retirement plan sponsor, we can provide fiduciary consulting and plan management services
Four Ways to Work With Us
GCM Manages Your Investments
We manage investment accounts for individuals, families, and a variety of entities including businesses, municipalities, nonprofits, trusts, and estates.
Working with us provides access to investment management plus the support of a CERTIFIED FINANCIAL PLANNER™ professional in Rochester, NY when needed.
In-House Investment Management
Risk management solutions for all client types
403(b) Management
Direct management of certain 403(b) plans through Aspire
Peripheral Account Management
Investment guidance for your 401(k) and other accounts
Individuals and Families
We offer all investment account types available to individuals and families here at Generation Capital Management, including IRAs, non-retirement (individual as well as joint), trusts, and estates. We manage the investments in these accounts ourselves.
We can act as the advisor of record on certain 403(b) plans through Aspire Financial.
And we are excited to be able to manage the asset allocation in most employer-sponsored retirement plans and HSAs.
The best part is that all individuals and families who have an investment account managed by Generation Capital Management receive our financial planning services at no additional charge.
Businesses, Municipalities, Nonprofits, and Other Entities
Not only do we manage investments for individuals and families, but we help a myriad of other client types including municipalities, trusts, estates, foundations, corporations, small businesses, and nonprofit organizations.
We are happy to offer fiduciary consulting, guidance with selecting and managing a retirement plan, support as an ERISA Section 3(38) or 3(21) fiduciary, and our cash management services to help your organization meet their short- and long-term goals.
Standalone Financial Planning: Advice Without Investments
It used to be the case that you needed to have tons of money invested with a financial advisor to receive financial planning advice.
Not anymore.
With the genPOWERMENT standalone financial planning platform, we have two service options that allow you to keep your investments where they are and receive advice from our CERTIFIED FINANCIAL PLANNER™ professional John Howe-Wemett, CFP®, MSFP.
Comprehensive Financial Planning
Personalized guidance, no investments necessary, one predictable fee
As part of our mission to increase access to financial planning from a qualified CERTIFIED FINANCIAL PLANNER™ professional, we offer the ability to purchase a full financial plan plus a year of implementation support, or each of those options individually.
You pay one flat fee (half upfront, half at time of plan delivery) regardless of how simple or complex your financial situation is.
We provide insights and deliverables you can hold in your hands.
Basic Month-By-Month Guidance
No commitment, just value
While we believe that everyone can benefit from a full financial plan, we recognize that you might not feel ready to look at your whole wealth picture right now. That’s why we created a month-by-month option.
Utilizing the genPOWERMENT by Generation Capital Management platform, you’ll work with our CERTIFIED FINANCIAL PLANNER™ professional on a monthly basis to address your more fundamental financial concerns and get to know us.
There’s no commitment—you can cancel at any time.
Consultation and Service Charged Hourly
Hourly Consultation
Our insight at a straightforward hourly rate
There may be a situation where an individual or family needs some time with a CERTIFIED FINANCIAL PLANNER™ professional without an ongoing relationship. We have a solution for that.
We offer our financial planning services at an hourly rate to help you work through whatever is challenging you. It could be anything from doing a deep-dive on your budget, to having someone help you navigate the execution of an estate, all the way to putting together a financial plan. We’re happy to help however you need us to!
Services for Retirement Plan Sponsors
Retirement Plan Services
Fiduciary consulting and much more
As a Registered Investment Advisor, Generation Capital Management can provide fiduciary services for retirement plan sponsors. We are happy to review your organization’s request for proposal (RFP) or make sure that an Investment Policy Statement is in place and up to date. Let us see if our skillset can help your organization reach its long-term goals.