INVESTMENT MANAGEMENT

Investments are more than just picking the right investment or even attempting to time the markets. Successful investing is based on creating portfolios that reflect your risk tolerance, time horizon, goals and other factors. Most importantly, we don’t receive commissions from investment sales nor have any conflicting ties with specific investment companies. This ensures that our advice will be objective.

Some other features of our investment management program include:

• Providing access to exclusive money managers who consistently provide superior investment returns amongst their peers
• ETFs and mutual funds
• Fixed income solutions
• Alternative investments such as private equity and REITs
• Tax loss harvesting
• Portfolio rebalancing

RETIREMENT PLANNING

Retirement is one of, if not the biggest, financial goal for most people. We can help you find  answers to common questions such as,  “Where will my paycheck come from now?” Most people focus on accumulating assets for retirement but fail to properly plan for distribution strategies. We can guide you with managing your assets and planning for responsible distribution strategies.

We regularly consult on retirement topics such as:

• IRAs/Roth IRAs
• Roth Conversions
• IRA rollovers
• Pensions
• Lump sum vs. Annuity Withdrawals
• Required Minimum Distribution (RMD) planning
• Distributions from employer-sponsored plans like 401(k)s, 403(b)s, equity awards, and deferred compensation
• Social Security timing and strategies

COMPREHENSIVE FINANCIAL PLANNING

Our knowledge and strategies consider all facets like investment management, retirement planning, estate planning, risk management, and tax minimization strategies.

ESTATE AND TRUST PLANNING

You should plan for ways to properly pass down assets to your beneficiaries while paying little or no estate/gift taxes. This can be difficult due to the complexity of the US estate and gift tax code, which can result in some people paying effective tax rates as high as 80%! 

We can guide you with estate planning issues like:

• Revocable trusts, irrevocable trusts, and other trust strategies
• Complex estate planning tools like ILITs, GRATs, QPRTs and more
• Powers of attorney, health care directives and wills
• Charitable giving strategies

While we can help you with numerous estate planning topics, it’s important to consult an estate planning attorney should you decide to draft any documents. We aren’t licensed attorneys and can't create these documents. However, we can refer you to a qualified estate planning lawyer in our network and collaborate with these professionals to ensure that your estate plan has no blind spots.

RISK MANAGEMENT

Risk Management or insurance, lets you plan for financial misfortunes like early death, disability, and other scenarios. It also provides peace of mind when creating streams of income for retirement and paying for healthcare expenses. As licensed insurance professionals, we guide you through various life, health, disability, and long-term care insurance solutions. However, we always  emphasize planning and not product sales, meaning we will NEVER PUSH unsuitable products for a commission. Instead, we act with integrity and only recommend practical , cost-effective solutions. 

Our planners can help you with:

• Term, universal and whole life policies
• Fixed vs. indexed annuities
• Insurance Strategies for estate planning
• Long term care and health insurance policies

Our team of dedicated professionals are available to assist you with your financial needs.