Buinsesses | Service
Retirement Planning
Retirement planning focuses on creating the lifestyle you want after your last day of work. In essence you are going on one “long” vacation. In order to do that you need to have saved up enough money so that it will produce an income for you for the rest of your life no matter how long you live. Our method of retirement planning involves estimating you life time expenses and then calculating the amount you will need to pay for them. We then put a plan together made up of numerous moving parts that may include stocks, bonds, mutual funds, variable annuities, insurance etc. The key here is the strategies need to support the overall goal.
Wealth Management
Wealth management in simple terms is taking a holistic perspective on your entire financial picture. Many firms/banks take a look at what you have and offer you something they say is better. We think this approach is shallow. Before we share any strategies with you we take you through a process of information gathering, risk assessment, and goal setting. We take this approach with every investor whether it’s the small investor wishing to invest a few thousand in mutual funds or the sophisticated investor that needs a complex estate plan with many facets to include tax, legal, and financial factors. We seek first to understand your unique situation with our fact finding process before we ever start sharing possible solutions with you. When we do start sharing financial strategies with you we design those strategies so they harmonize and optimize both your tax and legal planning. We do not practice law or tax preparation. However we have facilitators on our staff to include an attorney and tax specialist that can work with your legal and tax team or recommend one to you.
Risk Tolerance The extent to wish an investor is willing to accept more risk in exchange for the possibility of a higher return. An investor with a high risk tolerance is likely to invest in securities, such as stocks in startup and growth companies, and is willing to accept the possibility that the value of his/her portfolio can be volatile in both upward and downward movements . An investor with a low risk tolerance, on the other hand, tends to invest predominantly in stable stocks and/or highly-graded bonds. One's risk tolerance is subjective and may vary according to age, needs, goals, and even personal dispositions.
A less sophisticated test is – are you losing sleep over your investments. If you are then in most cases your current investment allocation does not mesh with your risk tolerance.
Another consideration is two spouses may have different tolerances for risk. In this case it is good to know how different their tolerance is so it can be addressed.
We offer a simple risk tolerance tool that is only 7 questions long and takes just minutes to complete. After filling it out we can assess what your tolerance for risk is.
Legacy Planning & Estate Planning
Passing assets quickly and efficiently to your heirs or charities takes sophisticated prior planning. In case like this we will surround you with a team of specialists each with their own specialized skill set that will be applied to all facets of your unique situation. There are many things to consider here. A shortened list follows
- Taxes
- Long Term Care Costs
- Cost Bases of Stocks & Mutual Funds
- Probate
- Unified Tax Credit
- Life Insurance
- Charitable Giving
Business Owners
Business owners have special needs. We have a team that can help you put together a plan to get you to the next level. Our team of specialist can help you address retirement benefits, group benefits, key person issues. We can design a growth oriented strategy that will keep up with your growing business.
Retirement planning for the small business needs to be scalable. We handle a full line up of retirement solutions from IRAs (Roth, Individual, SIMPLE, SEP, etc.) to more comprehensive retirement solutions like 401ks and Keoghs. We don’t believe in a one solution fits all. We help you plan the most cost effective route to take so your financial solutions keep up with your growing success.
Group Benefits
There are three ways for you to add group benefits to your enterprise. You can pay for them, you can split the costs with your employees, or you can allow the employees to pay. Either way it is a win win. Purchasing benefits in mass is a big money saver. If you are considering any benefits at all we suggest you start here and do a cost comparison of group vs. individual. Many clients we have worked with were surprised by the cost savings. We can handle all your group benefits needs. Our line of services spans your needs from life insurance, disability insurance, to long term care insurance all administered on a group basis. Depending on your business structure the definition of a group can start as small as three people. We can also help you to build “classes” so you can build in a tiered system to reward, motivate, and retain, the best employees and management.
Investment Tools
Because we are an independent firm our access to financial instruments is vast. On the rare occasion we identify a tool we want but don’t have we will procure that tool as part of our inventory. As portfolio theory has evolved over time we make sure we give our clients access to the best tools to help them build and preserve their life savings. Many new tools involving stocks, bonds, and hedging once only available to the super rich and institutions are now available with much lower minimums then ever before. When appropriate we make these powerful tools available to our clients.
An abbreviated list of offerings we carry is listed below:
Wealth Management
Retirement Income Planning
Estate Planning
Fee-Based Asset Management
Wrap Fee Services
Comprehensive Fee-Based Financial Planning
Investment Advisory Services
Investments
Mutual Funds
Stocks
Bonds
Annuities
IRA’s (Roth Simple) 401(k)/403(b)/457 Retirement Plan Assistance
College Savings Plans
Insurance
Life Insurance
Long-Term Care
Small & Agri-Business Consulting
Buy – Sell Key Man
Continuity Planning
Family Generation Transition
Retirement planning focuses on creating the lifestyle you want after your last day of work. In essence you are going on one “long” vacation. In order to do that you need to have saved up enough money so that it will produce an income for you for the rest of your life no matter how long you live. Our method of retirement planning involves estimating you life time expenses and then calculating the amount you will need to pay for them. We then put a plan together made up of numerous moving parts that may include stocks, bonds, mutual funds, variable annuities, insurance etc. The key here is the strategies need to support the overall goal.
Wealth Management
Wealth management in simple terms is taking a holistic perspective on your entire financial picture. Many firms/banks take a look at what you have and offer you something they say is better. We think this approach is shallow. Before we share any strategies with you we take you through a process of information gathering, risk assessment, and goal setting. We take this approach with every investor whether it’s the small investor wishing to invest a few thousand in mutual funds or the sophisticated investor that needs a complex estate plan with many facets to include tax, legal, and financial factors. We seek first to understand your unique situation with our fact finding process before we ever start sharing possible solutions with you. When we do start sharing financial strategies with you we design those strategies so they harmonize and optimize both your tax and legal planning. We do not practice law or tax preparation. However we have facilitators on our staff to include an attorney and tax specialist that can work with your legal and tax team or recommend one to you.
Risk Tolerance The extent to wish an investor is willing to accept more risk in exchange for the possibility of a higher return. An investor with a high risk tolerance is likely to invest in securities, such as stocks in startup and growth companies, and is willing to accept the possibility that the value of his/her portfolio can be volatile in both upward and downward movements . An investor with a low risk tolerance, on the other hand, tends to invest predominantly in stable stocks and/or highly-graded bonds. One's risk tolerance is subjective and may vary according to age, needs, goals, and even personal dispositions.
A less sophisticated test is – are you losing sleep over your investments. If you are then in most cases your current investment allocation does not mesh with your risk tolerance.
Another consideration is two spouses may have different tolerances for risk. In this case it is good to know how different their tolerance is so it can be addressed.
We offer a simple risk tolerance tool that is only 7 questions long and takes just minutes to complete. After filling it out we can assess what your tolerance for risk is.
Legacy Planning & Estate Planning
Passing assets quickly and efficiently to your heirs or charities takes sophisticated prior planning. In case like this we will surround you with a team of specialists each with their own specialized skill set that will be applied to all facets of your unique situation. There are many things to consider here. A shortened list follows
- Taxes
- Long Term Care Costs
- Cost Bases of Stocks & Mutual Funds
- Probate
- Unified Tax Credit
- Life Insurance
- Charitable Giving
Business Owners
Business owners have special needs. We have a team that can help you put together a plan to get you to the next level. Our team of specialist can help you address retirement benefits, group benefits, key person issues. We can design a growth oriented strategy that will keep up with your growing business.
Retirement planning for the small business needs to be scalable. We handle a full line up of retirement solutions from IRAs (Roth, Individual, SIMPLE, SEP, etc.) to more comprehensive retirement solutions like 401ks and Keoghs. We don’t believe in a one solution fits all. We help you plan the most cost effective route to take so your financial solutions keep up with your growing success.
Group Benefits
There are three ways for you to add group benefits to your enterprise. You can pay for them, you can split the costs with your employees, or you can allow the employees to pay. Either way it is a win win. Purchasing benefits in mass is a big money saver. If you are considering any benefits at all we suggest you start here and do a cost comparison of group vs. individual. Many clients we have worked with were surprised by the cost savings. We can handle all your group benefits needs. Our line of services spans your needs from life insurance, disability insurance, to long term care insurance all administered on a group basis. Depending on your business structure the definition of a group can start as small as three people. We can also help you to build “classes” so you can build in a tiered system to reward, motivate, and retain, the best employees and management.
Investment Tools
Because we are an independent firm our access to financial instruments is vast. On the rare occasion we identify a tool we want but don’t have we will procure that tool as part of our inventory. As portfolio theory has evolved over time we make sure we give our clients access to the best tools to help them build and preserve their life savings. Many new tools involving stocks, bonds, and hedging once only available to the super rich and institutions are now available with much lower minimums then ever before. When appropriate we make these powerful tools available to our clients.
An abbreviated list of offerings we carry is listed below:
Wealth Management
Retirement Income Planning
Estate Planning
Fee-Based Asset Management
Wrap Fee Services
Comprehensive Fee-Based Financial Planning
Investment Advisory Services
Investments
Mutual Funds
Stocks
Bonds
Annuities
IRA’s (Roth Simple) 401(k)/403(b)/457 Retirement Plan Assistance
College Savings Plans
Insurance
Life Insurance
Long-Term Care
Small & Agri-Business Consulting
Buy – Sell Key Man
Continuity Planning
Family Generation Transition