Our clients often refer to us as the 'big picture people' in that we are the team that will quarterback
all of your financial affairs. We take a top down approach and will work with your current team of investment
advisors, tax professionals, lawyers and accountants to fully understand what your current plan is. The fact
remains most individuals and families say they do not have a financial plan. The fact is, what ever you are currently
doing, rightly or wrongly, is your financial plan. The question remains, is it a good one?
We will sit together and take inventory of everything you are doing, ask questions, discuss short and long
term goals and ultimately determine if you are on the right track. From here on, we will work together through our
state of the art financial planning system to highlight in a simple format, the evolution of your 'financial plan'
and make appropriate recommendations regarding:
Disposable income
Annual income taxes
Final estate taxes
Evolution of net worth
What is left to the kids
Life Insurance structure
Investment portfolios
Pension Plan
Sources of income
Disability & long term care needs
We work solely with Absolute return managers in an attempt to preserve and protect capital.
We are independent brokers not tied to any bank so we are completely and 100% unbiased in our recommendations
and selection of managers. We have built a network of mutual fund managers, stock managers, bond traders and private
wealth managers across the country that are respective leaders in their domain. We prefer simple and boring returns as more often
than not, this will get the job done. Today's investment world and its universe of options is daunting. A few minutes with
us to review our investment philosophy along with our 13 year track record will give you the peace of mind to know that
we are experts in our domain. During this process, we may discuss:
Asset allocation
Portfolio volatility
Final estate taxes
Private wealth managers
Absolute return managers
Protecting your capital
Comprehensive and prudent financial planning cannot be done without consideration for the tax and
estate implications of the strategies being implemented. If you do not plan properly, the government will
ultimately take a large portion of what you have spent a lifetime creating. We will work closely with your
lawyers, accountants and tax professionals to discuss methods of deferring and in many cases, eliminating,
otherwise significant and costly tax bills. We will help structure a tax efficient plan to allow for the transfer
of your wealth from one generation to the next. During this process we may discuss:
Family trusts
Tax-exempt life insurance contracts
Precise calculations of one's final estate tax liabilities
