Finding The Right Fit

Our Clients

As a business owner, you care about the business that you’ve built from the ground up. This is something we have in common. One of the benefits of working with us, is knowing that our world revolves around you, not the shareholders of a large corporation.
  
We know your business is your largest asset, and we expect that you might not have a lot of liquidity outside of the company. This places a greater emphasis on the value of a future sale to exit and support you in retirement. 

Partnering with us, we will help you to leverage the success of your business, to build your wealth outside of the company, tax efficiently and without choking the cash flow of the company. This leads to less dependance on the future sale, and more flexibility for exiting the business on your terms.
    
Our main objective is saving you time and aggravation, by coordinating the resources you need to grow your business, build your wealth, and spend more time with your family. 

Business Owner Specific Services Include:

  • Optimizing Retirement Plan Design to maximize your ownership benefits at the lowest cost to the company. Management of 401K, Proft Sharing, and Cash Balance Plans.
  • Identifying Key People in your business and developing strategies to retain them.
  • Coordinating strategies to transfer ownership in the event of death or disability and ensuring proper agreements result in a smooth transition.
  • Identifying and implementing funding for ownership transfer. 
  • Asset management for Corporate Assets.
  • Group Benefit Implementation (Life, Disability, Health, Supplemental Lines)
  • Entity Structure
  • Succession Planning for multi-generational businesses
  • Helping you to maximize the value of your business for a sale
  • Coordination of Tax and Estate Planning with both CPA's and Attorneys, aligning personal planning with the business
  • Devising an exit strategy, in coordination with a retirement plan
  • Asset Management to support the plan upon a sale

BusinessOwner.jpg

As a Corporate executive, you are accustomed to managing high functioning teams each day, and delegating tasks through your team members to reach optimal outcomes. Your financial life shouldn't be any different.

Serving as your Personal CFO, we strive to coordinate your financial affairs, which allows you to focus on your career and family.  

Executive Specific Services Include:

  • Optimizing Company Benefits
  • Restricted Stock and Stock Option Planning
  • Managing Stock Concentration Risk
  • Tax Efficient Charitable Giving Strategies 
  • Tax Planning & Withholding Adjustments to smooth cash flow

CorpExecutives.jpg

Retirement is a significant achievement in anyone’s life. You have worked so long, that now the goal becomes enjoying retirement for longer than you worked for!

Some retirees believe, that now is the time to cash all your investments in and go to cash. If you do this, how do you know if you will have enough money to last through your lifetime?

Perhaps you want to leave a legacy for your family, or maybe you want to spend every last nickel. Only you can decide.

Whatever you choose, we will design the right strategy to support your wishes, striving to create as much comfort, confidence, and clarity for your retirement as we can.  

Services Include:

  • Retirement Income Planning
  • Social Security Optimization
  • Estate and Legacy Planning
  • Tax Planning
  • Distribution Strategies
  • Health & Medicare Planning
  • Long-Term Care Planning

Retirees.jpg

Being a young professional, you are still figuring it out, and that's OK!

As a young professional, you have a great opportunity ahead of you. More importantly, you have the one thing that many retirees wish they had more of: Time! The decisions you make today, can lead to more flexibility for tomorrow.

Our job is to lead the way, remove the blind spots that can keep you from getting ahead, and prepare you not for retirement, but for early financial independence instead.

We will be your thought partner, helping you to answer questions like: 

  • How to manage cash flow.  Debit card, Credit Card, why one over the other?
  • Are you taking full advantage of your benefits at work?
  • Are you saving enough in your 401(k), Pretax or Roth, and how might vesting influence the timing of a job change?  
  • Will vs Trust, Powers of Attorney, why do you need them?
  • How do you protect your family?  Is insurance necessary, what's the right kind, and how much do you need?
  • How to save for college. 
  • Should you pay down student debt or save for retirement?
  • How do you save for major purchases like your first or next home, or a car?
  • What's the most tax-efficient and optimal way to support the charities you love?
  • What is investing, and how do you develop a personal investment strategy that works for YOU?

YoungProfessionals.jpg

As a business owner, you care about the business that you’ve built from the ground up. This is something we have in common. One of the benefits of working with us, is knowing that our world revolves around you, not the shareholders of a large corporation.
  
We know your business is your largest asset, and we expect that you might not have a lot of liquidity outside of the company. This places a greater emphasis on the value of a future sale to exit and support you in retirement. 

Partnering with us, we will help you to leverage the success of your business, to build your wealth outside of the company, tax efficiently and without choking the cash flow of the company. This leads to less dependance on the future sale, and more flexibility for exiting the business on your terms.
    
Our main objective is saving you time and aggravation, by coordinating the resources you need to grow your business, build your wealth, and spend more time with your family. 

Business Owner Specific Services Include:

  • Optimizing Retirement Plan Design to maximize your ownership benefits at the lowest cost to the company. Management of 401K, Proft Sharing, and Cash Balance Plans.
  • Identifying Key People in your business and developing strategies to retain them.
  • Coordinating strategies to transfer ownership in the event of death or disability and ensuring proper agreements result in a smooth transition.
  • Identifying and implementing funding for ownership transfer. 
  • Asset management for Corporate Assets.
  • Group Benefit Implementation (Life, Disability, Health, Supplemental Lines)
  • Entity Structure
  • Succession Planning for multi-generational businesses
  • Helping you to maximize the value of your business for a sale
  • Coordination of Tax and Estate Planning with both CPA's and Attorneys, aligning personal planning with the business
  • Devising an exit strategy, in coordination with a retirement plan
  • Asset Management to support the plan upon a sale

BusinessOwner.jpg

As a Corporate executive, you are accustomed to managing high functioning teams each day, and delegating tasks through your team members to reach optimal outcomes. Your financial life shouldn't be any different.

Serving as your Personal CFO, we strive to coordinate your financial affairs, which allows you to focus on your career and family.  

Executive Specific Services Include:

  • Optimizing Company Benefits
  • Restricted Stock and Stock Option Planning
  • Managing Stock Concentration Risk
  • Tax Efficient Charitable Giving Strategies 
  • Tax Planning & Withholding Adjustments to smooth cash flow

CorpExecutives.jpg

Retirement is a significant achievement in anyone’s life. You have worked so long, that now the goal becomes enjoying retirement for longer than you worked for!

Some retirees believe, that now is the time to cash all your investments in and go to cash. If you do this, how do you know if you will have enough money to last through your lifetime?

Perhaps you want to leave a legacy for your family, or maybe you want to spend every last nickel. Only you can decide.

Whatever you choose, we will design the right strategy to support your wishes, striving to create as much comfort, confidence, and clarity for your retirement as we can.  

Services Include:

  • Retirement Income Planning
  • Social Security Optimization
  • Estate and Legacy Planning
  • Tax Planning
  • Distribution Strategies
  • Health & Medicare Planning
  • Long-Term Care Planning

Retirees.jpg

Being a young professional, you are still figuring it out, and that's OK!

As a young professional, you have a great opportunity ahead of you. More importantly, you have the one thing that many retirees wish they had more of: Time! The decisions you make today, can lead to more flexibility for tomorrow.

Our job is to lead the way, remove the blind spots that can keep you from getting ahead, and prepare you not for retirement, but for early financial independence instead.

We will be your thought partner, helping you to answer questions like: 

  • How to manage cash flow.  Debit card, Credit Card, why one over the other?
  • Are you taking full advantage of your benefits at work?
  • Are you saving enough in your 401(k), Pretax or Roth, and how might vesting influence the timing of a job change?  
  • Will vs Trust, Powers of Attorney, why do you need them?
  • How do you protect your family?  Is insurance necessary, what's the right kind, and how much do you need?
  • How to save for college. 
  • Should you pay down student debt or save for retirement?
  • How do you save for major purchases like your first or next home, or a car?
  • What's the most tax-efficient and optimal way to support the charities you love?
  • What is investing, and how do you develop a personal investment strategy that works for YOU?

YoungProfessionals.jpg

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