We take into consideration your whole life, taking time to fully understand you and understand what matters to you most. We evaluate our client’s retirement goals and originate plans that help facilitate in achieving those goals.
Generation Planning
We aid our clients in creating trusts that will guard assets for multiple generations while minimizing wealth transfer taxes. Furthermore, we provide support and wealth preservation strategies for surviving spouses and children, including probate matters subsequent the death of a family member.
Wealth Preservation
We help you implement sound investment and tax strategies coupled with prudent risk management techniques to help preserve your assets both during your lifetime as well as for the lives of your children.
Estate Planning
We prepare plans to assist clients manage the arrangements for their distribution of wealth, with three basic goals.
- Help minimize estate taxes
- Ensure the assets descend according to the clients wishes
- Protect the assets from outside creditors or in the event of a divorce
Our recommendations incorporate appropriately organized wills, trusts, family partnerships, charitable giving, private foundations, and grantor retained trusts. We synchronize and attend meetings, whether at our office or at an attorney’s office, to ensure that the legal documents are consistent with the clients projected objectives.
Income Tax Planning / Cash Flow
We organize a defined process which involves identifying, implementing, and monitoring strategies to minimize exposure to taxes while fulfilling cash flow needs.
Risk Management
We appraise our client’s risk tolerance and provide an inclusive risk management assessment. With this intimate knowledge we include an evaluation of the following areas: business, life, disability, long-term care, and property and casualty. With this evaluation in position we are able to progress forward with the goals and investment objectives of our client to maximize their wealth strategies.
Business Succession Planning
We assist our client’s arrangement for the decisive transfer of a business interest. The objective is to reduce taxes while maximizing the business value to the client, which could include a buyer/seller or family members. An assortment of techniques include: gifting of business assets to a trust, transferring business interests into family partnerships, selling the business on self-cancelling notes, and/or selling a portion of the business to an intentional defective grantor trust with children as beneficiaries. We also help establish and finance buy/sell agreements among shareholders and partners.
Portfolio Management
We manage six portfolios ranging from aggressive to all fixed income. We utilize a core-satellite approach and rely on both technical and fundamental analysis in our decision-making process.
