UNIQUE PERSONAL STRATEGIES

Living a long and prosperous life –– providing well for you and your family ––is not automatic. We help you determine your goals, set your priorities and assist you in making decisions.

In our practice, we stress putting first things first.

• SECURE WHAT YOU EARN.

• BUILD WHAT YOU NEED.

• PROTECT WHAT YOU HAVE.

In your life, there will be many important financial issues to face and obstacles to overcome. Our on-going, long-term strategic solutions can help you realize what you set out to achieve –– success by your standards.

UNIQUE RETIREMENT STRATEGIES

The “Modern Portfolio Theory” developed by Harry Markowitz and William Sharp won the Nobel Prize in Economics 1990. Plainly stated: “To achieve maximum long-term investment returns, as well as minimize risk, it is necessary to diversify among asset categories with cross-correlation”.* If cross-correlation exists when one investment goes up in value another goes down.

Inherent in the process of accumulating assets is the necessity of bearing risk.
However, the risks can and should be managed and controlled.

Your answers to meaningful questions drive the investment allocation model* best suited for you. It is important to determine your willingness to take risk and balance it with the desired yields. We strive to manage expectations for each client. Part of our job is keeping the complex from becoming too complicated.

Our work does not end when we’ve put your objectives into action. You are assured the attention, adjustments, and continuity your objectives need as you and your finances evolve.

*Diversification cannot eliminate the risk of investment losses.

UNIQUE BUSINESS STRATEGIES

Most tax experts focus on the technical aspects of business planning…how to minimize corporate or personal income or estate taxes…how much are employee benefits going to affect the bottom line…how to transfer the business in a tax-efficient manner. Technical considerations are significant\ and certainly important in the business planning process. Humanistic issues should not be ignored: the business owner’s needs, desires, fears, wants, and goals are as crucial to business strategies as are tax issues.

Building a business is not an easy task. We understand the excitement and frustrations of today’s entrepreneur. It is critical to effective and meaningful business planning…how to build a legacy, not a dinosaur.

Business owners seldom have anyone to confide in about their business. They have important question’s to which they need answers.

We provide a unique business solutions system. We advise and coordinate the business owner’s team to develop ways to reduce taxes, increase spendable income, provide cost-effective benefit programs, and develop management and ownership succession plans. We explore numerous options on how to grow a profitable business until owners are satisfied the team’s recommendations reflect their personal wishes and goals.

UNIQUE LEGACY STRATEGIES

Until the head of the family dies, estate tax and other liquidity requirements are often unfamiliar burdens. The estate tax can hit your financial assets like a large rock shatters a window.

It is not a stroke of brilliance that makes an estate plan right. It is the methodical examination of the facts, weighed against your goals, by someone who really knows you.

Our approach to legacy planning examines contingencies and alternatives until you are satisfied our recommendations reflect your desires.

We are purposefully thorough. To achieve your vision, no detail can be left out. We believe to be professional means to explore all possible alternatives to help maximize the law to help minimize the tax.

We understand people with high net worth. We realize most want to protect their net worth for their families. We appreciate how involved legacy planning can become when you’d rather be doing other things.

Content contained on or made available through the website is not intended to and does not constitute legal advice or investment advice and no attorney-client relationship is formed. Your use of the information on the website or materials linked from the Web is at your own risk.