Wealth Management Services
 We believe wealth management objectives are universal and at the same time unique. Everyone wants to manage their wealth effectively regardless of the amount of wealth they have, but the strategies and tools that are most appropriate vary greatly.
Regardless of the amount of wealth one has, some objectives are typically common:
- Provide for the secure access to required income for entire life (Sleep Well)
- Provide reasonable growth of capital, at a given risk tolerance (Live Well)
- Minimize taxation
- Minimize fees
- Fully understand the investment policy being employed and how it addresses defined goals
- Control the transfer of wealth to heirs and/or charities (maximize and/or quantify)
- Minimize the financial threats to achieving wealth management objectives
As the scale of wealth increases, unique considerations begin to appear and, as such, additional wealth management challenges and opportunities present themselves:
- Providing for the successful continuation of a closely held business
- Reducing or even avoiding confiscatory wealth transfer taxation
- Structuring trusts to provide constructive distribution of wealth to heirs
- Financial education of family members
- Coordinated interaction among members of the client's team (CPA, Attorney, Insurance Agent, Investment Advisor)
Representative topics include:
- When is the best time to begin taking social security?
- Where should income be taken from during retirement?
- When should investments be adjusted as retirement approaches?
- What is the appropriate asset allocation during retirement?
- How should employer stock inside a retirement plan be handled?
- How should Incentive Stock Options (ISOs) be managed?
- What charitable planning opportunities are applicable to our family?
- Is a private family foundation right for our family?
- Does life insurance make sense? If so, what kind is best and how should ownership and payment be structured?
- Can assets be transferred to heirs while maintaining some level of control?
- Can an asset be tranferred to heirs and the income from that asset be retained?
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