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50 W. Lancaster Ave., Ardmore, PA 19003 610-896-6435

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Ardmore, PA 19003 610-896-6435
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lau associates logo

Your life is complex.

Whether you are an executive creating your own wealth, a professional building a secure financial future, or a member of a family of inherited wealth constructing a legacy, you have a unique need for trusted support and counsel.

 

You appreciate independent opinions and intelligent collaboration and are at a stage in your life where you seek the next level – of service, of delegation, of confidence.

 

Lau Associates is particularly skilled at helping you navigate the financial – and personal – paths that you travel.  We speak in plain English.  We talk – and help you talk – openly about wealth, expectations, goals, and risks as you build a new path forward.

 

We help create unity and harmony, not just on your balance sheet but in your life as well.

 

At the end of the day, our goal is to give you more time to focus on what you care about most.

Client Center
About Lau Associates
Meet The Team
Wealth Management
Family Office Services
Financial Planning
Investment Management
Tax Services
Multi-Generational Services

Get in Touch!

Interested in learning more about Lau Associates? Connect with us today, and we will be in touch shortly.

 

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lau associates logo

About Lau

Lau Associates was founded by Judy Lau in 1985 as a financial planning firm in Wilmington, Delaware. Over the years, as clients requested that we work with their families and friends, and the amount and complexity of our clients’ financial assets increased, we expanded and began to provide family office services in addition to traditional planning and investment management.

 

Today, the firm offers exceptional depth in planning, investment management, tax and cash management, estate planning, tax return preparation, and bill paying. We provide highly personalized financial advisory services within an attentive and caring environment. We now service clients nationwide as well as internationally.

 

In 2008, Lau Associates LLC became an independently operated subsidiary of Bryn Mawr Bank Corporation.

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Interested in learning more about Lau Associates? Connect with us today, and we will be in touch shortly.

 

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Meet the Team

  • Judith W. Lau, CFP®
    Judith W. Lau, CFP®
  • Jacob D. Weaver, CMFC®
    Jacob D. Weaver, CMFC®
  • Lucinda L. Peterson, CPA® CFP®
    Lucinda L. Peterson, CPA® CFP®
  • Jorge R. Rueda, CFP®
    Jorge R. Rueda, CFP®
  • Thomas M. Weary, CFA®
    Thomas M. Weary, CFA®
  • Michael G. Paregian, CFP®
    Michael G. Paregian, CFP®
  • Joel R. Morris, CFP® AEP ®
    Joel R. Morris, CFP® AEP ®
  • Laura D. Granger, CFP®
    Laura D. Granger, CFP®
  • Scott A. Sumner, CPA
    Scott A. Sumner, CPA
  • Timothy S. Donovan, EA
    Timothy S. Donovan, EA
  • Pamela D. Lucas
    Pamela D. Lucas
  • Jennifer R. Atkinson
    Jennifer R. Atkinson
  • B.J. Whittaker
    B.J. Whittaker

Wealth Management

With an expertise in inherited wealth, Lau Associates LLC works with high net worth families and individuals. We take an integrated approach to financial planning, investment management, tax planning and strategic planning that enables you to see the whole picture and gain greater confidence in your financial decision making.  At the center of your personal and business financial worlds, Lau Associates provides a streamlined infrastructure, highly personalized advice and, to the extent requested, coordinated counsel with your other advisors.  We believe that our ability to provide intergenerational planning and philanthropic consulting is important to many of our families.

 

Please Note: The scope of any financial planning, tax and/or consulting services to be provided depends upon the needs of the client and the terms of the engagement.

Get in Touch!

Interested in learning more about Lau Associates? Connect with us today, and we will be in touch shortly.

 

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Family Office Services

While substantial wealth provides an opportunity to pursue diverse passions, it is often accompanied by complex financial structures, multiple residences, and other multidimensional situations.

 

The administrative burden of managing all of these assets requires significant time, expertise, and organization. Our clients appreciate having an expert team in place to handle the ongoing management of the necessary information and moving parts that form the base of a solid personal financial structure. This, in turn, allows you to spend time doing the things you love.

Lau Offers to Provide, as appropriate

Investment portfolio aggregation and tracking
Tax planning and preparation
Cash management services for you and your family, including:
The administration of accounts for payment of fees and capital calls related to traditional and private equity investments
The administration of bill payment accounts for quick and easy invoice payments through our BillFree® service
The facilitation of electronic transfers between your accounts and to third parties upon request
Bookkeeping and record keeping
Household and employee payroll

Your Lau team is dedicated to handling these tasks in a timely, accurate, and non-intrusive manner. Lau takes the time to build strong relationships with you and your advisors in order to understand your family’s unique situation and tailor services to fit your individual preferences and needs.

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Interested in learning more about Lau Associates? Connect with us today, and we will be in touch shortly.

 

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Financial Planning

Lau Associate’s financial planning services help you organize and manage wealth in order to enrich and simplify your life.

WE START BY ASKING A LOT OF QUESTIONS:

What is important to you?
What do you worry about?
What is happening in your life?
What do you want your legacy to be?

We will ask you to “bring your life in with you” when you meet with us. Our highly experienced team of Certified Financial Planners (CFP®) and tax and estate planning experts will evaluate and discuss your current situation.

THE RESULT IS NOT A REPORT, BUT A CONVERSATION.

Our goal is to work efficiently through the planning process with you and your advisors. We want to ensure complete transparency and objectivity as we help you design a plan that you can use as a blueprint for your life and legacy.

THEN WE HELP YOU GET IT DONE.

Please Note: The scope of any financial planning, tax and/or consulting services to be provided depends upon the needs of the client and the terms of the engagement.

You will have the opportunity to collaborate with our full team of experts – not an administrator or salesperson. We will periodically review your plan with you, using real-time information from your investment portfolios and our knowledge of changes in your life and family.

WE’LL OFFER TO DO A THOROUGH REVIEW OF ALL RELEVANT DOCUMENTS, INCLUDING:

Current tax returns
Investment account statements
Qualified and non-qualified option awards
Estate planning documents
Trust documents
Historical and expected future cash flow
Insurance policies

Get in Touch!

Interested in learning more about Lau Associates? Connect with us today, and we will be in touch shortly.

 

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Investment Management

At Lau Associates, our mission is to help you achieve a better quality of life and protect your wealth for current and future generations. Our overall objective is to provide competitive portfolio returns while taking less risk than the overall market.

OUR APPROACH TO INVESTMENT MANAGEMENT BEGINS WITH LISTENING.

It’s the best tool we know of to understand you and your family’s needs – including your hopes as well as your concerns. We’ll talk with you about your history with investments, financial successes and disappointments, your tolerance for risk, your expectations, and cash flow needs.

 

We’ll also ask questions about how investing fits into your overall priorities and life goals. Is it a means to an end, a burden, an avocation, or an educational tool? Is it an important driver of legacy and/or philanthropic goals, or of current income?

WHEN WE FULLY UNDERSTAND YOUR NEEDS AND DESIRES, WE WILL:

Identify the guiding principles and objectives for each portfolio
Develop a suitable asset allocation for your portfolio(s) individually and/or as a group, incorporating our best thinking on the overall market and current investment opportunities
Construct each portfolio to incorporate your preferences and our recommended strategy in a prudent and tax-sensitive manner. Lau invests with a long-term horizon, using the same time-tested, sophisticated investment strategies employed by institutions, endowments, and foundations.

Our entire team – led by your advisor and comprised of the investment team and planning and tax experts – will monitor your portfolio on a regular basis, which allows for the sharing of real-time information on each portfolio.

 

Lau’s investment team is involved in your portfolio start to finish. Your portfolio will not be “filtered” by a service or sales team or subjected to decision making by a local portfolio manager or broker motivated by commissions or increasing assets under management.

 

At Lau, we stay true to our convictions as a firm, while managing your portfolio with the individual attention it deserves.

Get in Touch!

Interested in learning more about Lau Associates? Connect with us today, and we will be in touch shortly.

 

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Tax Services

At Lau Associates, you have in-house access to highly experienced experts to prepare your tax returns and/or coordinate the management of tax information and payments with your other tax advisors. Lau’s tax experts are available to sit at the table with your financial, investment, and estate planning team members, providing real-time information that can be used to develop and implement effective coordinated tax strategies specifically for you.

LAU OFFERS PERSONALIZED TAX SERVICES THAT MAY INCLUDE THE PREPARATION OF:

Personal income tax returns
Estate and gift tax returns
Fiduciary income tax returns
Generation-skipping tax returns
Personal business and entity tax returns

Please Note: The scope of any financial planning, tax and/or consulting services to be provided depends upon the needs of the client and the terms of the engagement.

ADDITIONAL TAX-RELATED SERVICES MAY INCLUDE:

Establishment and administration of tax payment accounts for quick and easy payments of required estimated taxes
Coordination with the investment managers to provide funds for tax payment accounts
Direct communication with the IRS or state on tax issues on your behalf via a power of attorney

THEN WE HELP YOU GET IT DONE.

Lau can also work within your existing accounting relationships. We will offer to facilitate and coordinate conversations between you and your advisors to provide a complete overview of your unique situation.

 

This approach helps you make informed decisions that can have vast tax implications and often saves you time and money.

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Interested in learning more about Lau Associates? Connect with us today, and we will be in touch shortly.

 

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Multi-Generational Services

WHAT WILL BECOME OF YOUR WEALTH IN THE FUTURE?

Wealth transfer is rarely successful if it depends solely on estate, tax, and investment planning. In fact, research has shown that the failure rate of wealth transfer beyond the second generation is 70% worldwide, and in 60% of those failures, the primary cause was lack of communication.

 

This is an area in which Lau excels. In our experience, many clients and their advisors overlook the often unspoken challenges of managing wealth. We begin the planning process with communication, helping you and your family talk honestly and openly about your feelings about money, your goals, and your hopes and fears.

DIVISIVE ISSUES ARE NOT UNCOMMON WHEN WEALTH IS INVOLVED.

If issues and concerns aren’t resolved during the planning process, they have the potential to destroy wealth – and more importantly, family relations for generations to come. Lau can serve as a safe haven to talk about issues beyond wealth. For families that haven’t experienced significant wealth their entire lives, it can be a life-altering event. Lau will facilitate customized training sessions for family members who want to develop investment, fiduciary, and philanthropic skills.

DEVELOPING CLOSE RELATIONSHIPS WITH A CIRCLE OF TRUSTED ADVISORS IS ESSENTIAL.

These advisors can serve as mentors to current and future family members who may be taking on the roles of trustee, managing and limited partner, shareholder, beneficiary, philanthropist, investor, and/or steward. The human side of wealth – family values and dynamics, individual comfort levels, and skills in managing assets – must be managed as sensitively as the overall portfolio.

 

Understanding the responsibilities as well as the opportunities that come with wealth can help your family communicate and make better decisions as well as lay the foundation for successful wealth transition.

 

Please Note: The scope of any financial planning, tax and/or consulting services to be provided depends upon the needs of the client and the terms of the engagement.

Get in Touch!

Interested in learning more about Lau Associates? Connect with us today, and we will be in touch shortly.

 

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Judith W. Lau, CFP®

Judy established Lau Associates as a financial planning firm in 1985 and today serves as the Founder and Senior Financial Advisor.  Her expertise includes personal financial planning, inherited wealth issues, the psychology of money, developing human capital, and facilitating family meetings.

For many years, Judy was active on the national level in the financial planning field.  From 1991 to 1998, she served on the National Board of Directors for the Institute of Certified Financial Planners, finishing as Chairman of the Board in December 1998.  She has served as a trustee for the National Foundation for Financial Planning and has been active on many community boards.

Judy received her B.S. in Education from Kansas State University, and her M.S. in Education from Portland State University.  She has been quoted in publications such as the Wall Street Journal, USA Today, Washington Post, New York Times, Forbes, Money, Time, and the Journal for Financial Planning.  Judy has worked on programs for National Public Radio, been featured on NBC’s “Today Show” and CNBC’s financial programs, and recognized as one of the nation’s top financial advisors by such magazines as Worth, Bloomberg Wealth Manager, and Medical Economics.

Jacob D. Weaver, CMFC®

With over 20 years of experience at Lau Associates, Jake currently serves as both President and Senior Investment Advisor.  As President, Jake manages the business and chairs the firm’s Steering Committee, where he works with the leadership team to provide strategic direction for the business.  As Senior Investment Advisor, he works with individual clients to help them grow their assets, reduce portfolio risk and meet their long-term objectives.  He also heads the firm’s Investment Committee, which gives him the opportunity to share his expertise on investments and manager selection with our team to develop sound investment strategies for our clients.

Jake holds a B.A. in Economics from the University of Delaware and received the CMFC designation in 2008.

 

Lucinda L. Peterson, CPA® CFP®

Cindy joined Lau Associates in 2002 as a Senior Financial Advisor and today also serves as the Chief Financial Officer.  Cindy provides tax and estate planning advice to our clients, as well as recommendations for business succession, buy/sell agreements, option exercise strategies, and risk management.

Prior to joining Lau Associates, Cindy was the President and Founder of L. Peterson, P.A., a certified accounting firm, which provided income tax planning and preparation, estate planning and litigation support to individuals.  Prior to June 1998, she was Tax Director for Truitt, Sarnecki & Associates, P.A.

Cindy received her Bachelor of Science degree in accounting from the University of Delaware and obtained her CPA designation in 1984.  She received her CFP® license in 2005.

Jorge R. Rueda, CFP®

Jorge joined Lau Associates in 2004 and today serves as a Senior Financial Advisor. He brings to the firm over 29 years of experience at DuPont, where he held various business, marketing and leadership roles.  Most recently, as a Managing Consultant for DuPont, his area of expertise was in helping businesses develop long term business and marketing strategies.  Jorge has a strong international experience having lived and worked for extended periods of time in Mexico and Brazil.

Jorge holds an MBA from ITAM (Mexico City), a B.S. in Chemical Engineering from UNAM (Mexico City), and received his CFP® certification in 2007.  He is fluent in Spanish and Portuguese.

Thomas M. Weary, CFA®

Tom joined Lau Associates in 2011 and serves today as the firm’s Chief Investment Officer, working with Jake to guide the overall investment direction for the firm.  He also serves as a Senior Investment Advisor.

Prior to joining Lau Associates, Tom founded Diamond Portfolio Advisors, LLC, a boutique investment management firm.  Before that Tom had served as a Chief Equity Officer for Farmers Insurance in Los Angeles, a Senior Portfolio Manager with John Hancock Mutual Funds in Boston, and a founding member of John Hancock International Operations, working both in Boston and Hong Kong.

Tom graduated cum laude in Philosophy from Harvard College in 1982 and received his CFA® charter in 1993.  He has been quoted in publications such as Barron’s, Forbes, U.S. News & World Report, The Wall Street Journal, and The Wall Street Transcript.

Michael G. Paregian, CFP®

Michael joined Lau Associates in 2017.  As a Financial Advisor at Lau Associates, Michael is engaged with clients on a regular basis to help them achieve their financial goals.  He also plays active roles with our investment, operations and financial reporting teams.

Michael has been in the financial services industry since 1996.  Most recently he was a Senior Financial Advisor with the Vanguard Group.  At Vanguard, he worked with high net worth families providing wealth management advice.

Michael holds a B.S. degree from the University of Maryland and received his CFP® certification in 2008.  He has written financial planning articles for Physician’s Money Digest, the Wilmington News Journal, and Vineyard and Winery Management.

Joel R. Morris, CFP® AEP ®

Joel joined Lau Associates in 2015 as a Senior Financial Advisor.  He brings to the firm over 20 years of experience in financial planning and wealth management, most recently as Vice President and Senior Wealth Planner at Janney Montgomery Scott (JMS) in Philadelphia.  At JMS he advised high net worth families from around the country on issues and solutions relating to cash flow management, estate planning and tax planning.  Prior to JMS, Joel held senior level positions with firms such as SEI Investments, PaineWebber and U.S. Trust.

Joel received his B.A. degree in Economics from the University of Pittsburgh, received his Certified Financial Planner (CFP®) certification in 2005 and his Accredited Estate Planner (AEP®) designation in 2009.

Laura D. Granger, CFP®

Laura joined Lau Associates in 1997 and currently serves as the firm’s Director of Planning and Chief Compliance Officer.  Laura works with the Planning Team to develop our client offering, and she coordinates with the team to implement the client plan.  As the Chief Compliance Officer, her role is to ensure that the firm is fulfilling its regulatory requirements and operating in the best interest of our clients.

Prior to working at Lau Associates, Laura worked as a tax accountant at a local CPA firm.  She received her B.S. in Accounting and M.S. in Tax from Widener University.  She also obtained her CPA designation in 1990, her CFP® certification in 1995 and her PFS credential in 2012.

Scott A. Sumner, CPA

Scott joined Lau Associates in 2004 and today serves as Director of the Tax Group.  In addition to the preparation of individual, business and trust tax returns, Scott provides tax advice to our clients and works closely with our advisors to provide integrated tax planning, preparation and related services.

Prior to joining the firm, Scott spent 16 years with a Wilmington accounting firm providing accounting, tax and consulting services to individuals and business clients. He received his B.S. in Accounting from the University of Delaware and obtained his CPA designation in 1990.

Timothy S. Donovan, EA

Tim joined Lau Associates in 2012.  His primary role today is the Tax Group Manager.  He works with our team to prepare clients’ individual, trust, and business tax returns, and he supports our clients with their bookkeeping and cash flow needs.  Tim is also our firm’s BillFree® Manager, providing our clients with bill payment and record keeping services.

Previously, Tim worked in the public accounting industry for six years, preparing financial statements, tax returns and cash flow analysis for both individuals and business entities.  Tim received his B.S. degree in Business Studies from Stockton University in 2005.  He obtained his Enrolled Agent (EA) designation in 2016.

Pamela D. Lucas

Pam joined Lau Associates in 2005 and today serves as the Director of Client Services.  Pam works closely with our clients, providing her expertise to ensure smooth operations and client support.  She develops an understanding of the client’s needs beyond their account servicing requests and works with the team to develop new solutions.

Prior to joining Lau Associates, Pam worked for 14 years in the financial services industry, including nine years as an Operations Manager.  Pam graduated magna cum laude from Wilmington University with her B.S. degree in Business Management in 2012 and M.S. degree in Management in 2015, and is a member of the International Honor Society for Business – Sigma Beta Delta.

Jennifer R. Atkinson

Jenn joined Lau Associates in 2013 and serves as a Client Service Specialist.  She works with our clients regarding their accounts and provides support to our advisors in meeting their clients’ needs.  She also serves as the firm’s Operations Manager, and provides assistance to the investment, tax, compliance and bookkeeping areas of the business.

Prior to joining Lau Associates, Jenn worked at a local accounting firm as an administrative assistant for 11 years.  She received her Associates degree in Office Administration from Delaware Technical and Community College.

B.J. Whittaker

B.J. joined Lau Associates in November 2000 and today serves as our receptionist and administrative assistant.   She provides a warm welcome to our clients in the office and on the phone.  B.J. coordinates all client meetings and handles many administrative tasks for the office.

Prior to joining Lau Associates, B.J. worked at Concordia Preschool and had her own in-home daycare.  She received her Associates degree from Delaware Technical and Community College.