Financial Planning and Wealth Management involve the integration of many different disciplines. We customize our services based on the scope of our engagement; however, there are many constants in our planning for the high income clientele that we serve.
- Cash Management & Liquidity Planning
- Risk Management/Insurance Planning
- Investment Planning
- Income Tax Planning
- Retirement Planning
- Education Planning
- Estate Planning
- Business, 401(k) and other Retirement Plan Consulting
- Employee Benefit Planning
- Stock Option Analysis and Planning
- Philanthropy and Charitable Giving
Below we have listed many of the services and deliverables that will result from our comprehensive review of your personal financial model as we put your wealth in motion.
Analyze, Review & Recommendations on:
Protection & Internal Design Process: We find that most of our clients have not had a thorough review of all of their insurances and other risk reduction techniques. We will spend at least 1 meeting going very in depth within your existing protection component to make sure you are protected to the max with minimum cost outlay.
Property & Casualty Insurance Assessment: Do you have the proper deductibles and liability limits? Have you video taped/inventoried your personal property? Have you stored the video tape off site? Have you re-quoted your property policies recently?
Company Benefit Review
Group Health Insurance Benefits: What is your lifetime maximum? Are you taking advantage of all the benefits your company offers? Which health plan option is best for you and your family?
Legal Documents: In depth discussion of your Legal Documents, other options, and suggestions on helpful and unusual clauses, We review all of your current beneficiaries, and make sure there is integration with all of your financial accounts as well as analyze different entity structuring techniques
Current Insurance Policies: How much insurance should have? What kind makes the most sense for me? Which settlement option is best for my family?
Savings Component
Wealth Accumulation Account: We use this account to automatically pay all of your investment related bills
Banking Accounts: How much should I keep at the bank? What are the advantages and disadvantages of these accounts? Do I have other options that offer higher safe returns?
IRAs/Retirement Plans: Which type of retirement plan is best suited for you? What are the advantages and disadvantages?
Mortgages & Debt Management: What is the opimal amount of debt for me? Should I pay off my house? Which loan is better a 15 year or 30 year, an interest only or conventional? I want a 2nd home how much can I afford? How much should I save per year?
Investment Planning: Where should I invest my money? How can I increase my returns? Can I lower my risk or increase the likelihood that I can reach my goals? What should my asset allocation look like? Is passive or active management right for me? How much should I invest in my company stock purchase plan? Should I fund my 401k or the stock plan 1st? Should I own bonds? Which kind?
Stock Option & Concentrated Stock Position Planning:
How do I know when to exercise my option grants? Should I have a set strategy based on predetermined factors that account for theoretical values of my grants? Which grant should I exercise? Can I contribute my company stock to an exchange fund to get better diversification and to minimize the tax impact of exiting my position? Can you help me set up and design a 12B51 Stock Plan?
