Services
Our services
Each engagement is scoped privately. Below is a representative — not exhaustive — summary of the work we take on.
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Retirement Income Planning
Duman Stars helps clients in the Westminster area develop strategies for sustainable retirement income across multiple account types and time horizons. The planning process includes cash flow analysis, Social Security optimization, and coordination with existing savings and investment accounts.
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Investment Portfolio Review
We examine existing portfolios to assess alignment with stated objectives and risk capacity. This service includes fee analysis, asset allocation evaluation, and recommendations for adjustments based on changes in life circumstances or market conditions.
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Financial Plan Development
Clients work with our team to establish a written financial plan covering goals, timelines, and resource allocation across savings, insurance, and estate considerations. The plan serves as a reference document and guides decision-making throughout major life transitions.
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Tax Strategy Coordination
We collaborate with your tax professional to identify opportunities for tax-efficient giving, rebalancing, and withdrawal sequencing. This coordination helps reduce tax friction without compromising investment strategy or financial objectives.
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Estate Planning Guidance
Our advisors work with clients and their legal counsel to ensure financial accounts, beneficiary designations, and asset titles align with estate objectives. We provide analysis of titling options and help coordinate the financial elements of a comprehensive estate plan.