OUR SERVICES
Family Office Strategies
Protect your family’s legacy. As stewards of big pools of capital, we have to ask ourselves if we’re using our wealth to define the world we want to live in. Ultra-high-net-worth individuals and families face unique challenges — and opportunities. Through our Family Office Team, our experience can help you manage your lifestyle needs and navigate family dynamics and philanthropy. Our deliberately low client-advisor ratio means our advisors have the time to get completely immersed in your world. We leverage a deep understanding of tax architecture, and our network of tenured advisors to deliver elegant tax and wealth transfer strategies backed by historical insights and quantified benefits.
Financial Planning
Our path towards financial success begins with understanding your unique needs and goals. Our advisors take the time to get to know you personally so that they can help shape your financial future. If engaged to do so, they’ll help you create your financial plan and provide you with ongoing progress updates to help make sure you’re on track. Our specific services can include:
- 401(k) Strategies
- Retirement Planning
- Tax and Insurance Strategies
- Employer Benefits Optimization
- Education Planning
- Estate Planning Strategies
Financial Planning provided exclusively by licensed financial planning professionals.
Advanced Tax and Insurance Strategies
We understand that complex financial challenges require advanced strategies. Our team is armed with strategies to reduce significant income tax and capital gains tax challenges resulting from windfalls, highly appreciated assets and major company events. When our clients are facing a major tax event we collaborate with our network of thought leaders on a case-by-case basis to provide tailored advanced tax strategies including:
- Premium financed life insurance
- Actuarial Plan Design
- 501(c)(3) Charitable Endowment Planning
- Advanced Insurance Architecture
- Advanced Estate Planning Strategies
- Tax-Favored Retirement Plans
- Charitable Giving Strategies
Disclosures:
Financing an insurance policy carries risk. Policy holders should not rely solely on non-guaranteed policy values and dividends to discharge the financing debt (including loan and interest) or the policy loan. Additional cash may be required to repay or reduce both the financing loan and the policy loan in the future to keep the policy in force. Lapsing the policy with a large policy loan can result in adverse tax consequences.
Wealth Management
We offer a wide-range of specialized services to help you grow and manage your wealth. Our team of advisors has experience in dealing with complex and highly-specialized investment strategies to help grow, sustain and protect your investments. Our services can include:
- Investment Advisory Services
- Tax-Sensitive Investment Management
- Investment Income Strategies
- Alternative Investment Strategies
Earlier generations witness one of the greatest wealth transfers in history as the average age of population increases. Whether inheriting assets designed for someone else or growing those you’ve accumulated on your own, wildly successful investments rarely achieve prominence overnight. We take a patient approach based on years of research and deploy the appropriate investment strategy for each client.
Investing involves risk and may lose value.
Estate Planning
Working collaboratively with your qualified estate planning attorney, we will identify strategies designed to efficiently transfer wealth to your heirs and favorite charities, protect your family and business, grow your assets, and minimize taxes. Discover ways to increase your impact on the ways to support causes ways to support causes you believe in, promote family values and social responsibility, and leverage the tax-deductible nature of charitable gifts. Receive guidance on structuring your insurance and investments in an effort maximize tax efficiency, minimize estate and federal tax obligations and leave a greater legacy for your loved ones, helping to reduce estate and federal tax liabilities.
- Strategic Wealth Transfer
- Philanthropic Planning
- Insurance Planning
- Trust Planning
Baby Boomers are in the retirement phase of their lives. Considering this cohort currently holds. half of the nation’s household wealth preserving and transferring this tidal wave of assets will be a mammoth task. It’s estimated that more than $68 trillion will be bequeathed to their offspring.
For Millennials, inheritance tax will eat a huge chunk of their payout. We suggest our clients get ahead of this by taking a proactive approach to your estate planning. Our team can help you with pushing assets down to your children or grand children in a tax efficient manner.
The Great Wealth Transfer From Baby Boomers To Millennials Will Impact The Job Market And Economy – Kelly, Jack. ”The Great Wealth Transfer from Baby Boomers to Millennials Will Impact the job Market and Economy,”Forbes Magazine, 9 Aug. 2023,
https://www.forbes.com/sites/jackkelly/2023/08/09/the-great-wealth-transfer-from-baby-boomers-to-millennials-will-impact-the-job-market-and-economy/?sh=1a1ca4ae3e4a
Retirement Planning
Many wait until the last minute to get started on ensuring their income lives at least as long as they do. While we recommend starting as early as possible, it is never too late to begin planning your retirement. There are no free lunches when it comes to retirement income. Every strategy involves trade-offs among three key levers – time, risk and return. Dialing one up or down also affects the others. Income must adapt to individuals, not the other way around. The goal is to support actual spending behaviors in retirement and changing needs throughout life while minimizing longevity and market risks.
Business Owner Services
Whether you’re a doctor or a lawyer with a practice, an entrepreneur with a growing company, or making decisions for a company well entrenched in the markets they serve. Because we start all of our conversations by incorporating your professional circumstances into your plan, we know how to tackle these issues from the start and have all of the tools needed to help keep your business and personal finances thriving. Depending upon your situation, these tools can include:
- Business Continuity Planning
- Owner and Executive Compensation Plans
- Qualified Retirement Plans
- Key Employee Retention Plans
- Business Succession Planning
A 401(k) plan or similar benefit can be an effective recruiting tool. Combine these traditional plans with other means of employee compensation to retain talent and capture additional tax benefits. Get a plan design for your company today!
Employee Benefit Planning
As employers transition away from traditional pension benefits, the gap is being filled by 401(k) benefits and other stock and incentive plans. All these benefits carry unique tax opportunities. Our clients want to make sure they not only pay a fair amount, but their taxes – both now and in the future – are predictable.
Family Office Strategies
Protect your family’s legacy. As stewards of big pools of capital, we have to ask ourselves if we’re using our wealth to define the world we want to live in. Ultra-high-net-worth individuals and families face unique challenges — and opportunities. Through our Family Office Team, our experience can help you manage your lifestyle needs and navigate family dynamics and philanthropy. Our deliberately low client-advisor ratio means our advisors have the time to get completely immersed in your world. We leverage a deep understanding of tax architecture, and our network of tenured advisors to deliver elegant tax and wealth transfer strategies backed by historical insights and quantified benefits.
Financial Planning
Our path towards financial success begins with understanding your unique needs and goals. Our advisors take the time to get to know you personally so that they can help shape your financial future. If engaged to do so, they’ll help you create your financial plan and provide you with ongoing progress updates to help make sure you’re on track. Our specific services can include:
- 401(k) Strategies
- Retirement Planning
- Tax and Insurance Strategies
- Employer Benefits Optimization
- Education Planning
- Estate Planning Strategies
Financial Planning provided exclusively by licensed financial planning professionals.
Advanced Tax and Insurance Strategies
We understand that complex financial challenges require advanced strategies. Our team is armed with strategies to reduce significant income tax and capital gains tax challenges resulting from windfalls, highly appreciated assets and major company events. When our clients are facing a major tax event we collaborate with our network of thought leaders on a case-by-case basis to provide tailored advanced tax strategies including:
- Tax Efficient Financed Insurance Contracts
- Actuarial Plan Design
- 501(c)(3) Charitable Endowment Planning
- Advanced Insurance Architecture
- Advanced Estate Planning Strategies
Wealth Management
We offer a wide-range of specialized services to help you grow and manage your wealth. Our team of advisors has experience in dealing with complex and highly-specialized investment strategies to help grow, sustain and protect your investments. Our services can include:
- Investment Advisory Services
- Tax-Sensitive Investment Management
- Investment Income Strategies
- Alternative Investment Strategies
Earlier generations witness one of the greatest wealth transfers in history as the average age of population increases. Whether inheriting assets designed for someone else or growing those you’ve accumulated on your own, wildly successful investments rarely achieve prominence overnight. We take a patient approach based on years of research and deploy the appropriate investment strategy for each client.
Estate Planning
Working collaboratively with your qualified estate planning attorney, we will identify strategies to efficiently transfer wealth to your heirs and favorite charities, protect your family and business, grow your assets, and minimize taxes. Find out the best ways to support causes you believe in, promote family values and social responsibility, and leverage the tax-deductible nature of charitable gifts. Get guidance on how you can structure your insurance and investments, helping to reduce estate and federal tax liabilities.
- Strategic Wealth Transfer
- Philanthropic Planning
- Insurance Planning
- Personal Trusts
Baby Boomers are in the retirement phase of their lives. Considering this cohort currently holds half of the nation’s household wealth preserving and transferring this tidal wave of assets will be a mammoth task. It’s estimated that more than $68 trillion will be bequeathed to their offspring.
For Millennials, inheritance tax will eat a huge chunk of their payout. We suggest our clients get ahead of this by taking a proactive approach to your estate planning. Our team can help you with pushing assets down to your children or grand children in a tax efficient manner.
Retirement Planning
Many wait until the last minute to get started on ensuring their income lives at least as long as they do. While we recommend starting as early as possible, it is never too late to begin planning your retirement. There are no free lunches when it comes to retirement income. Every strategy involves trade-offs among three key levers – time, risk and return. Dialing one up or down also affects the others. Income must adapt to individuals, not the other way around. The goal is to support actual spending behaviors in retirement and changing needs throughout life while minimizing longevity and market risks.
Business Owner Services
Whether you’re a doctor or a lawyer with a practice, an entrepreneur with a growing company, or making decisions for a company well entrenched in the markets they serve. Because we start all of our conversations by incorporating your professional circumstances into your plan, we know how to tackle these issues from the start and have all of the tools needed to help keep your business and personal finances thriving. Depending upon your situation, these tools can include:
- Business Continuity Planning
- Owner and Executive Compensation Plans
- Qualified Retirement Plans
- Key Employee Retention Plans
- Business Succession Planning
A 401(k) plan or similar benefit can be an effective recruiting tool. Combine these traditional plans with other means of employee compensation to retain talent and capture additional tax benefits. Get a plan design for your company today!
Employee Benefit Planning
As employers transition away from traditional pension benefits, the gap is being filled by 401(k) benefits and other stock and incentive plans. All these benefits carry unique tax opportunities. Our clients want to make sure they not only pay a fair amount, but their taxes – both now and in the future – are predictable.
