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Our Services
List of Our Services
We help you do these outstanding things
Financial Planning
- Formalize your goals and objectives as a written financial plan
- Determine realistic (measurable and attainable) goals
- Educate your children and grandchildren
- Manage cash flow, budget for expenses
- Meet qualified professionals: accountants, attorneys, and trust company officers
- Satisfy requirements, such as, your IRA Required Minimum Distribution (RMD)
- Help protect family members with special needs
- Know how to use your vacation home and still deduct costs
- Answer vital questions concerning all aspects of estate planning
Investment Planning
- Make sound investment decisions by providing independent, 3rd-party research
- Optimize employee stock options
- Utilize asset allocation as an investment portfolio strategy to work toward achieving the best rate of return for any given level of risk tolerance*
- Learn essential investment principles: i.e., asset allocation, diversification, active vs. passive investment management, market history, market timing, the risk-return relationship, the prudent investor rule, and tax-efficient investing
- Choose investments suitable to your financial and personal situations and to your purpose
- Avoid duplication, wash sales, and concentrated stock positions in your portfolio
- Custody your stocks, bonds, and other securities in a single account
- Track cost basis on securities
- Analyze your current stock or bond portfolio
- Consider alternative investments
- Shop for top CD rates
- Use tax-efficient investments
- Know your actual rate of return, using the correct benchmark, so you can measure progress
- Learn how to “harvest” investment losses to offset investment gains
- Use low-cost separately managed accounts for flexibility and control
- Receive research by mail, email, fax, or online
* Asset allocation does not ensure a profit or protect against a loss.
Investment Products
- IPOs
- Stocks
- Bonds: corporate, hi-yield, government, municipal
- Cash instruments, including CDs
- Mutual funds, stock, and ETFs in a Brokerage account
- Mutual funds, stocks, and ETFs in an advisory program
- Socially-Responsible Funds
- Annuities: Fixed, Fixed Index, and Variable
- Public Equipment Leasing programs
- Public Managed Futures
- Public Oil and Gas programs
- REITs (Real Estate Investment Trusts)
- Business Development Companies (BDCs)
- Private Equity
Retirement Planning
- Choose the best time to start Social Security withdrawals
- Plan for post-retirement medical costs
- Avoid the retirement readiness crisis, even with a longer life expectancy
- Pick the correct date to retire to maximize your retirement lifestyle
- Roll over your retirement accounts to maximize your net worth
- Retire on your terms
- Make sure your money lasts as long as you do
- Understand investments in your company’s qualified plans, whether 401(k), 403(b), 457, or deferred compensation
- Utilize Roth IRAs
- Know the rules for moving retirement plans between companies or to your IRA
- Know what is a reasonable sustainable withdrawal rate during retirement
- Learn how to establish the state of domicile and how it affects your estate
Estate Planning
- Conserve your wealth
- Know your estate tax liability and strategies for paying it
- Know when to bequeath as opposed to when to gift
- Use will substitutes
- Choose property ownership that matches your estate planning goals
- Gift to charities for social wealth and tax planning purposes
- Gift to family members for wealth distribution and tax planning purposes
- Choose a trust suited to your estate plans
- Transfer property to heirs in an orderly and timely manner
- Cover estate tax liability
- Have enough liquidity so no important assets must be sold at “fire sale” prices
- Learn strategies for protecting assets from creditors
- Know which postmortem planning techniques are right for you
- Preserve your legacy
Tax Planning
- Reposition investments to take advantage of tax law provisions
- Utilize tax savings strategies for income, capital gains, gift, generation-skipping transfer, and estate taxes
- Gift tax vs. estate tax—determine which to pay
- Learn strategies to reduce tax, defer tax, or avoid tax
Insurance Planning
- Know when to protect income with disability insurance and when to self-insure
- Choose the correct type and amount of life insurance
- Utilize insurance to offset estate tax liability
- Learn how to potentially provide tax-free income using insurance contracts
Real Estate Planning
- Learn about when to buy and sell your property and what the tax consequences are
- Learn about real estate-based investments: REITs, TICs, 1031 transactions
Health Planning
- Choose the optimal personal health insurance coverage
- Receive help in purchasing suitable health insurance
- Distinguish between Medigap, Medicare, Medicaid insurance
- Learn about long-term care (or custodial) insurance and “hybrid (or asset-based) insurance solutions
- Learn about controlling your destiny with advance health care directives, trusts, and powers of attorney
- Learn about incapacity planning
- Learn the alternatives for elder care for yourself and your parents
Specialized Needs Planning
- Establish a structured settlement
- Plan for loved ones with special needs, including establishing a Special Needs Trust
Business Planning
- Learn which is the best type of business entity for your enterprise
- Plan for continuity (orderly succession) in your business
- Learn how to maximize your business equity when you “exit” your business
- Know how to set up and fund a sound Buy-Sell arrangement
- Set up a retirement plan or other employee benefits program
- Plan your executive compensation
- Learn about establishing a retirement plan for yourself and your employees
- Learn how to use Sections 303 redemptions, 6166 installment payment of estate taxes, and 2032a special-use valuations
- Learn how to take valuation discounts for lack of control and lack of marketability
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