Goals-Based Planning
Achieve what matters most with a plan driven by your goals
Goals-Based Planning
We have developed life-long process to assist you and your family in taking control of your financial future
We seek to help our clients achieve and maintain their financial and life goals through a holistic, all encompassing goals-based financial planning process. We traditionally start the relationship with our clients by building a comprehensive goals-based financial plan. The planning process enables us to develop a deeper sense of our client’s lifetime goals. Recognizing that every client’s situation is unique, we customize each plan to meet specific circumstances, while addressing the full financial issues clients and beneficiaries are likely to face.
By setting financial goals, developing and implementing financial strategies, and monitoring progress on a regular basis, the likelihood of achieving your results is greatly increased.
By developing a financial plan, you and your family:
• Will have a better understanding of your current financial situation.
• Determine attainable retirement, education, insurance, and other financial goals.
• Review goals, funding strategies, and alternatives where goals have to be compromised.
• Have the necessary financial resources set aside to fund your goals as they occur.
• Reduce the effect of unexpected events, such as disability, premature death, etc.
We Assist You & Your Family in Taking Control of Your Financial Future
Income & Tax Planning
A Key Factor in Achieving Your Long-term Financial Goals is to Successfully Minimize Your Tax Burden
Tax considerations affect virtually every financial decision you and your family make. We assist you in designing and implementing tax-sensitive strategies to minimize your overall tax burden, align your income tax strategy with your personal estate and philanthropic plans and provide alternative structures to deliver tax advantages.
Solutions
Tax Loss Harvesting
Coordination of Financial Data with Tax Preparers
Closely-Held Business Tax Planning
Liquidity Analysis
Pre-Tax Contribution Plans
Tax-Free Investing
Tax-Deferred Investing
Liability Management
We Assist Our Clients in Developing Credit Strategies That Seek to Strike a Balance Between Cash Needs and Long Term Investments
Through our strategic alliances, we can provide our clients with a variety of financing solutions that include personal loans, mortgages, home equity loans, securities based and margin lending and business loans
Solutions
Margin Lending
Business Loans
Structured Lending
Restricted Stock Financing
Personal Lines of Credit
Mortgage Loans - Fixed, Variable and Interest Only
Home Equity Loans
Securities Based Lending
Risk Management & Asset Protection
Protecting Your Wealth and Family Against Unforeseen Events is of Utmost Importance
A well structured risk management plan can provide:
• Peace of mind in the midst of unexpected events
• Security for your loves one in the event of death, disability or need for long-term care
• Proper protection for your assets, income and business
Solutions
Planning for Incapacity & Disability
Planning for Individuals with Special Needs
Domestic Asset Protection Trust
Family Limited Partnerships
Limited Liability Companies
Life Insurance - Term, Whole Life, Universal Life and Variable
Long-term Care Insurance
Disability Insurance
Property & Casualty Insurance
Private Placement Insurance
Health Savings Accounts
Education Planning
A College Education Builds an Essential Foundation for Your Child’s Success
We will work with you to design a plan tailored to your family‘s educational funding needs. Our recommendations take into consideration your child’s aspirations, timeline, cost projections and tax implications
Solutions
Evaluate Lump Sum or Systematic Savings Plans
Student Loans
Educational Scholarship Funding
529 Plans
Coverdell Education Savings Account
Custodial Accounts
Retirement Planning
Worry Less About Your Retirement With Confidence in a Plan
We design strategies to suit your goals and lifestyle needs while you are saving for, transitioning to and living in retirement
Solutions
Substantially Equal Periodic Payments
Qualified Plans - Profit Sharing, 401(k) and Defined Benefit Plans
Non-Qualified Deferred Compensation Plans
Individual Retirement Accounts - Traditional and Roth
Rollover IRAs
Stretch IRAs
Small Business Retirement Plans - SEP IRA, SIMPLE IRA, Individual 401(k)
Estate Planning & Wealth Transfer
Developing an Effective Estate Plan Is One of the Most Important Things You Can Do For Your Family
Your estate plan should be structured to achieve your personal objectives and maximize wealth passed on to heirs and charities, while minimizing taxes and other expenses
Solutions
Dynasty Trusts
Charitable Reminder Trusts
Charitable Remainder Trusts
Charitable Lead Trusts
Private Foundations
Lifetime Gift Planning
Charitable Planning
Family Limited Partnerships, LLCs & S Corporations
Irrevocable Life Insurance Trusts (ILITs)
Wills
Beneficiary Designations
Financial Power of Attorney
Health Care Power of Attorney
Health Care Directives
Revocable Living Trusts
Testamentary Trusts
Irrevocable Trusts
Credit Shelter Trusts
Marital Trusts