Tax-focused wealth management

 

Anyone can argue the best investments, the best funds, or even the best money managers, but no one can argue that taxes represent a primary, ever-present concern. We just happen to believe in maximizing what you keep.

tax planning benefits

tax implications are in every financial decision

Your Needs, Our Focus

The U.S. Government Department of the Treasury has a web page that is referred to as the “MTS” (Monthly Treasury Statement). It contains a monthly summary of the U.S. Federal government’s receipts and outlays, as well as the resulting surpluses and deficits. You can pull and download a monthly, fiscal year or even 40-year ledger of revenues and expenses of the U. S. government.

We all benefit from tax revenues in many forms: education, healthcare, infrastructure, etc. At the same time, the one glaring fact within these reports is that the outflows are nearly twice of the inflows. Are there means by which the economy can turn this around? Of course. Can it be done quickly or painlessly? No. There are truly only two ways the government can reduce our deficit, cut spending or raise taxes. You can draw your own conclusions.

We believe that wealth management strategies to reduce taxes should always be a standard provision. This is why we direct our business practice towards the applicable legal, ethical and beneficial tax strategies that can reduce tax drag and enhance after-tax investment returns. There have been numerous legislative changes and financial vehicles in recent years that have enhanced tax efficiencies. We consider it our mission to implement tax planning tools for the benefit of our individual and business clients.

Our Philosophy

As fiduciaries, we place your needs and interests first. We take great care in the consideration of the various investment recommendations we make, professional partnerships we refer and the organizational relationships we foster. Unlike many other brokers and advisors we do not offer proprietary products, nor do we get compensated differently based on the type of solution that is best to implement your ideal strategy. These and countless other decisions are made in the way of maintaining the highest standard of service for our clients.

We measure success by the incremental wins made year by year and the long-term success of economic freedom in life’s journey, whether that journey is just beginning or enjoying a well-planned retirement. Our commitment to our clients is embodied in our guiding principles and proudly demonstrated in our professional, moral, and ethical actions.

Our Values

business ethics

Integrity

As your financial advocate, our professional duty is unscripted. We have no cookie-cutter, preset models or designs. Our engagement with you will be designed around your unique needs and goals. As  fiduciaries we are bound by law to always act in your best interest and to exercise the highest degree of care and good faith in the management and preservation of your assets.

Collaboration

Partnership

Our partnerships are established for the benefit of clients and often organically. Given that our primary focus is tax efficient strategies, we work closely with your CPA for the best possible outcomes. In many cases, we also find the need to make introductions to CPAs that we have vetted for their expertise and reputation. We take great care that every recommendation lives up to our standards and your needs.

Client best interests

Stewardship

We believe that earning trust is sacred. With that trust comes accountability. Any financial strategies considered require an organization and solution to execute your objectives. We scrutinize every implementation, including the companies and partners we have worked with in the past, to ensure that it represents your best choice. We also employ an investment philosophy that is backed by academic and scientifically validated investment principles and processes. Recognizing that a financial decision made today can have long-term significance, it is our duty to ensure that it is based on information that is sound and prudent.

financial guidance

Transparency

We are advice based, fee based and solution based. Holistic planning involves recommendations, investments and risk based considerations.  Whether you seek advice or a second opinion, we can meet just for that purpose. Financial planning is a flat fee, based on complexity. If your interests are tax-efficient investments, we can manage your portfolio. If you need to protect business or personal interests, we can find the best solutions. All of our fees and options are clearly reviewed in advance.

financial literacy

Assurance

The typical financial advisor model is that of fact gathering, options presented, and solution implemented. What is missing in this model is the ‘why’. We prefer to make you an active participant in the process to truly explain methodology and outline how the various options relate to your financial goals. Your decisions should indeed come from a place of trust, but also a clear understanding of the short and long-term implications as well as the inter-relational aspect to the overall financial plan.

fair impartial financial advice

Impartiality

We see the world of options when we consider viable wealth management tax strategies. As independent advisors we are not tied to any particular family of funds, investment products or money managers. We use independent third-party custodians for your assets for the purposes of safety and security, as this furthers our fiduciary duty. Since we have no ties or obligations to any given organization, we are free to appraise any and all the best options that suit your financial goals.

Our Process

l

Discovery

Our goal is to listen and learn

As human beings, emotions and biases weigh heavily into our decisions, even those of a financial nature. Where they serve you better is in forming your interests, values, goals, personal and professional relationships. These important details enable us to design financial planning solutions uniquely tailored to you.

Tax & Financial Planning

Designing your ideal future

Having a clear understanding of your objectives, we examine what is working and what may need to be restructured to meet your needs going forward. We evaluate your tax implications, discuss and explain financial strategies that would serve you best and together decide on the steps of your plan of action.

Tailored Tax-Smart Investment Plan

Implementation

After carefully examining your complete financial planning needs, the appropriate strategies applicable, as well as your personal and professional priorities, we deliver the step-by-step blueprint to best implement your tax-efficient customized financial plan designed to enhance after-tax outcomes and achieve your ideal financial goals.

Progress Reviews

Strategies, performance and opportunities

Through scheduled quarterly status updates and annual reviews, we discuss strategy progress, portfolio performance as well as personal and professional life changes that have occurred to make any necessary modifications and explore potential financial opportunities.

As much as is stated above, what is not referenced are all of the details that occur prior to and throughout the process with regards to the coordination of professionals (CPAs, Attorneys, Real Estate Professionals, etc.) that often occurs as part of the process.

As with all the best working relationships, it must begin with an initial conversation. In this case, a complimentary consultation would help us understand what you wish to achieve and how it is that we can support your goals.

We must believe that there must be an alignment to both serve you in the best possible capacity as well as meeting expectations. Given that our business relationship will require in-depth details and likely span over time, we also need to ensure that you feel comfortable and wish to be guided by our efforts and coordination.

We look forward to a long and successful business relationship where together we embrace the challenges, uncover opportunities and build meaningful momentum towards your financial goals.

Our Services

You may have done a great job developing and maintaining your financial portfolio and perhaps all you need is an occassional review of strategies and sound advice for major financial planning considerations as they present themselves. In this case, we are here for you as needed, providing advice on an hourly basis.

Hourly Advice

You may prefer to have a dedicated team to design your short-term and long-term strategies to manage and monitor your financial world through an open line of regular communication and financial goal planning of your work and personal investments. In this case, we are here to provide advice on a regular basis as a traditional percentage of assets under management, working as your partner to navigate challenges and capture the opportunities.

Fee Based Advice

You may have a situational need for a specific goal and require an unbiased opinion. This generally means a specific product solution, which compensates a representative with a commission for placing business with them. As an independent firm, we work with all major A-rated companies and have no ties or requirements to any one company, solution or product. This allows us to honor our duty to focus on the best possible solution for your needs rather than a company controling and restricting our options, or compensation weighing unjust bias into any recommendations.

Solution Based Advice

Investment advisory services:

  • Tax managed investments
  • Stocks, bonds, mutual funds, ETFs
  • Asset allocation
  • Portfolio design & management
  • Foreign investments
  • Donor advised funds
  • Unit investment trusts
  • TIPS/ CPI/RPI swaps
  • Municipal bonds

 

  • Tax drag analysis
  • Tax loss harvesting
  • Distribution management
  • Capital gains reduction strategies
  • Opportunity zone funds
  • Separately managed accounts
  • Real estate investment trusts
  • Real estate/ 1031 exchanges

Investments

Business

  • Entity structures reviews
  • Partnership structures reviews
  • Business valuation coordination
  • Cash flow analysis
  • Tax efficiency analysis
  • Capital expenditure reviews
  • Expense reduction analysis
  • Private placement life insurance

Employer, Entrepreneur, Solopreneur advisory services:

  • Buy-sell agreements
  • Exit planning
  • Continuation planning
  • Key employee retention strategies
  • Small business retirement plans
  • SEP IRAs, Solo 401(k)
  • Risk management assessments
  • Employee benefit analysis

Retirement planning services:

  • Comprehensive financial planning
  • Tax planning
  • Traditional IRA, ROTH IRA, Self-directed IRA
  • ROTH conversions
  • Professionally managed 401(k), 403(b) and 457 options
  • Asset protection

Retirement

Retirement income planning services:

  • Distribution management
  • Maximizing tax brackets
  • Social security planning
  • Pension planning
  • Gifting strategies
  • Income annuities
  • RMD strategies

Personal and Coordinated Plannning Services:

  • Trust planning
  • Inheritance planning
  • Legacy planning
  • Financial restructure after divorce
  • Healthcare planning
  • College planning
  • Estate planning
  • Windfall planning
  • Charitable giving
  • Financial restructure after death of a spouse
  • Financial coordination for the care of a parent
  • Cash value life insurance
  • Deferred annuities

Personal Financial Planning

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Please let us know what questions you have

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