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Individual Wealth Management Strategies 

 

 

Our Individual Wealth Management Strategies fall into three main categories, based on your objectives. For those risk averse or seeking guaranteed income, we offer insurance products, banking products, and securities products. For those looking to hire a professional fiduciary to create and manage their investment strategy, we have Fiduciary Managed Accounts and we offer Private Placement Investment Opportunities for those meeting Accredited Investor Status.

 

Fiduciary Managed Accounts

A fee-based discretionary selection and monitoring of your investment portfolio, including but not limited to:

  • Active and passive ETFs

  • Institutional class mutual funds

  • Index funds

  • Closed-end funds

  • Individual stock & bond holdings

​Private  Placement  Investment Opportunities

We conduct extensive due diligence relating to private placement investments for those meeting Accredited Investor Status and present only what we feel to be the best opportunities.

 

Additional  Products Offered

We offer an array of options for those investors seeking conservative investments with guaranteed principal and / or income. Including but not limited to:

 

​  Insurance Products:

  • Fixed annuities

  • CD type annuities

  • Guaranteed income contracts

​        Banking Products:

  • Money Markets

  • Brokerage CDs

​        Securities Products:

  • Variable annuities

  • Federally Guaranteed bonds

Individual Wealth Management Strategies

*Guarantees are backed by the claims paying ability of the issuing insurer. An annuity is a long-term financial product designed largely for asset accumulation and retirement needs. Withdrawals and death benefits are subject to income tax. If withdrawals and other distributions are received prior to age 59 ½, a 10% penalty may apply. Certain Annuity product features, offered by some annuity companies, such as stepped-up death benefit, a bonus credit and a guaranteed minimum income benefit, carry added fees

 

Individual Financial Planning

The combination of advanced planning software and real world planning experience gives you secure access to view and monitor your entire financial scenario in one place, where we can answer questions and model "what if" scenarios anytime via screen sharing or an in-person meeting. We utilize a process that has been refined over the past two decades, to prepare all written financial planning engagements according to the fiduciary standards of the Certified Financial Planner Board. You can learn more about the CFP® certification and board standards here.

We offer:

  • Retirement income planning

  • Estate planning

  • Trust planning

  • Tax planning

  • Charitable planning

  • Sudden wealth planning

  • Divorce planning

  • Career transition planning

  • Risk management

  • Business succession planning

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Corporate Investment Strategies

Fiduciary Managed Accounts

Offer fee-based discretionary selection and monitoring of your organization's investment portfolio, including but not limited to:

  • Active and passive exchange traded funds

  • Institutional class mutual funds

  • Index funds

  • Closed-end funds

  • Individual stock & bond holdings\

Corporate Cash Management Accounts

We assemble and monitor short-term corporate cash management accounts utilizing ultra-short duration bonds and money market accounts. The objective is to allow for funding of short term company obligations, while earning interest on funds that would otherwise be parked in a corporate checking account earning little or no interest.

Employee / Owner Benefit Programs

We implement and service employee / owner benefit programs for health and welfare programs including but not limited to:

​​

  • Section 419 health & welfare benefit plans

  • Traditional healthcare plans

  • MEWA (multiple employer welfare arrangement) healthcare plans

  • Self insured employee healthcare plans

  • Gap insurance plans to compliment high deductible H.S.A. plans

  • Ancillary benefit packages

  • Voluntary employee benefits

  • Restricted property trusts

Corporate Retirement Plans

We design, implement and service all types of defined benefit and defined contribution corporate retirement plans, including but not limited to:

​​

  • Traditional and Roth 401(k)

  • Profit sharing plans (age weighted / salary ratio / cross-tested / new comparability)

  • Cash balance defined benefit plans

  • ESOP plans

Additional Products Offered

We offer an array of options for those entities seeking conservative investments with guaranteed principal and / or income. Including but not limited to:

​          Insurance Products:

  • Fixed annuities

  • CD type annuities

  • Guaranteed income contracts

​        Banking Products:​

  • Money Markets

  • Brokerage CDs

​        Securities Products:

  • Variable annuities

  • Federally Guaranteed bonds

 

*Guarantees are backed by the claims paying ability of the issuing insurer. An annuity is a long-term financial product designed largely for asset accumulation and retirement needs. Withdrawals and death benefits are subject to income tax. If withdrawals and other distributions are received prior to age 59 ½, a 10% penalty may apply. Certain Annuity product features, offered by some annuity companies, such as stepped-up death benefit, a bonus credit and a guaranteed minimum income benefit, carry added fees

Much like individual planning, the combination of advanced planning software and real world planning experience gives you secure access to view and monitor your company's entire financial scenario in one place, where we can answer questions and model "what if" scenarios anytime via screen sharing or in person meeting. We utilize a three meeting process we have refined over the past two decades, to prepare all written financial planning engagements according to the fiduciary standards of the Certified Financial Planner Board. You can learn more about the CFP® certification and board standards here.

We offer:

​​

  • Retirement income planning for owners and employees

  • Design and modeling of executive carve-out benefit programs

  • Tax planning for the entity and / or owners

  • Entity selection analysis - modeling corporate structure and taxation

  • Business owned trust planning

  • Entity risk management analysis and vendor selection

  • Company benefit benchmarking

  • Management of employee benefit RFPs

  • ESOP (Employee Stock Ownership Plan) analysis

  • Business succession planning (sale / gifting / ESOP / buy-sell transaction)

  • Estate planning for owner(s)

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Corporate Financial Planning