What We Do

Investment Management: The Core of Wealth Building

At Bourke Wealth Management, investment management is at the heart of what we do. A well-managed portfolio is essential to protecting and growing your wealth, but smart investing requires more than just selecting stocks and bonds.

We take a disciplined, strategic approach—tailoring investment decisions to your unique financial goals, risk tolerance, and long-term objectives.

Key Components of Our Investment Strategy

We continuously monitor several critical factors to help you maximize returns while managing risk:

• Asset allocation: By selecting a mix of asset classes (e.g. US stocks, foreign stocks, bonds, and cash), we strive to balance risk and reward. This has been shown to be an important predictor of long-term investment success.
• Portfolio Returns vs. Risk: While returns matter, we attempt to ensure the risk you take is proportionate to the rewards earned—helping you avoid unnecessary volatility.
• Cost Efficiency: Investment costs can erode returns over time. We seek to minimize fees and expenses wherever possible.
• Tax Implications: For retirees, tax-efficient investing is critical to making your money last. We implement strategies to help reduce tax burdens on your portfolio.
• Inflation Protection: Over time, inflation can diminish purchasing power. We structure portfolios to account for rising costs throughout your retirement.
  
• Socially and Environmentally Responsible Investing: For clients who value impact investing, we offer portfolios that strive to align with ethical and environmental standards.
  

A Personalized Approach to Wealth Management

Investment management is not one-size-fits-all. Our process is designed to align your portfolio with your personal financial objectives.

This investment profile is hypothetical and is presented only as an example and not intended as investment advice. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. You should discuss any tax or legal matters with the appropriate professional.

Tax Planning: Keeping More of What You Earn

Taxes are one of the primary obstacles that investors face in preserving their wealth. Effective tax planning isn’t just about reducing your tax bill—it’s about making strategic decisions that maximize your after-tax returns and financial security.

By working collaboratively with your tax preparers, we help implement strategies aimed at reducing tax burdens. 

Key Tax Planning Strategies We Utilize

• Tax-efficient Investing: By carefully selecting investments with favorable tax profiles, we strive to increase your after-tax returns while maintaining and balanced portfolio. 
• Tax-advantaged Investments: Some investments are better suited for retirement accounts, such as IRAs and 401(k)s, while others are more appropriate for taxable accounts (individual, trust accounts). We help ensure your assets are in the right places to optimize tax efficiency.
• Tax Loss Harvesting: Realizing capital losses to offset capital gains can be an effective tax-saving strategy. We proactively seek out opportunities to implement this when appropriate.
• Managing Taxable Income for Insurance & Benefits: Certain insurances policies and government benefits are impacted by taxable income. By strategically managing taxable income, we aim to help our clients mitigate unnecessary costs. 

Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. You should discuss any tax or legal matters with the appropriate professional.

This investment profile is hypothetical and is presented only as an example and not intended as investment advice. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. You should discuss any tax or legal matters with the appropriate professional.

Estate Planning: Protecting Your Wealth, Preserving Your Legacy

Why It Matters

Estate planning isn’t just paperwork—it ensures a smooth transfer of wealth. If done incorrectly, it can lead to family disputes, litigation, and unnecessary probate delays that jeopardize your legacy.

How We Help

Because of our relationship-driven approach, we collaborate with estate attorneys, private fiduciaries, and trust companies to help ensure your wishes are carried out efficiently. Whether leaving wealth to family or supporting charities, we help facilitate a clear, tax-efficient transfer.

Beyond Legal Documents

While attorneys draft living trusts, your financial advisor plays a crucial role in beneficiary designations, IRA planning, and asset titling. For example:

• Pro rata vs. per stirpes inheritance: Many clients have never been asked which option they prefer, yet every document defaults to one. This small detail can have major consequences.
  
• Avoiding tax pitfalls: Proper estate planning can reduce unnecessary taxation and ensure your assets are transferred as intended.

These details matter—and we’re here to guide you through them.

For more information, please read Chapter 3, “Don’t Disinherit Your Children by Accident” in Kevin’s book Make Your Money Last a Lifetime®.

This investment profile is hypothetical and is presented only as an example and not intended as investment advice. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. You should discuss any tax or legal matters with the appropriate professional.

Protecting What Matters: Asset Protection & Risk Management

Why Asset Protection Is Essential

With so much effort dedicated to accumulating and distributing wealth, protecting it is just as critical. Unexpected threats—such as creditors, lawsuits, illness, disability, and liability—can jeopardize financial security. Our goal is to help safeguard your wealth so you and your family remain financially secure, no matter what life brings.

How We Can Help

While we don’t sell products like homeowner’s insurance or umbrella policies, we can guide our clients through complex financial protection decisions—offering clarity where confusion often arises.

Real-Life Considerations

Rick and Amy had built significant wealth, but they weren’t confident they had the right protections in place. Together, we helped them evaluate key questions:

• Asset titling: Were their assets structured to offer sufficient protection in the event of a lawsuit or death?
• Insurance coverage: Did they have too much or too little in key policies?
• Life insurance needs: Was additional coverage necessary to protect their family?
• Umbrella policy considerations: Would an umbrella policy provide the right level of protection against unforeseen liability?

Financial Security Means More Than Just Growth

What a shame it would be to work hard to accumulate wealth, only to lose some or all of it due to financial vulnerabilities that could have been prevented.

This investment profile is hypothetical and is presented only as an example and not intended as investment advice. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. You should discuss any tax or legal matters with the appropriate professional.

Maximizing Your Impact: Charitable Giving & Philanthropy

Many individuals want to give back to their communities—yet key opportunities for charitable giving are often overlooked. At Bourke Wealth Management, we help you strategize effective ways to donate to the causes and organizations that matter most to you.

Giving During Your Lifetime vs. Through Your Estate

While many people intend for a portion of their estate to benefit nonprofits, it can be disappointing not to witness the impact firsthand. We help explore options that allow you to:

• Donate during your lifetime to see the tangible effects of your generosity.
• Structure your giving to maximize benefits for both you and the organization.
• Reduce your tax liability while supporting causes close to your heart.

Strategic Giving, Local or Global

Whether your passion lies in supporting a local nonprofit or funding global initiatives, we help you align your philanthropy with smart financial strategies—ensuring your contributions have the greatest possible impact.

This investment profile is hypothetical and is presented only as an example and not intended as investment advice. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. You should discuss any tax or legal matters with the appropriate professional.