Business owner exit or succession.

What is your strategy for exiting your business successfully?

What is your business worth? How has that value been determined?

What would happen to your business if you died, or became disabled, before retiring? What would happen to your family?

What changes are necessary to make your business more profitable and sellable?

Retirement Plans.

Qualified Plans. Long gone are the days where both employee and corporate contributions to qualified plans had to be equal, or proportionate, for all employees. Is your current plan providing the maximum benefit to you and your key employees while still providing better employee outcomes; increased fiduciary protections; and reduced costs, administrative hassle, and compliance risk?

Non-Qualified Plans. Qualified plans often discriminate against highly compensated employees and executives.

Will your key employees be able to reach their retirement goals using your 401(k) plan only?

Will they need the help of a non-qualified plan to reach their goals?

Do your executives want to defer part of their compensation?

Attract and Retain Key Employees.

What incentives are in place to attract and retain key employees?

How do you align your key employees’ goals with your company goals?

How would you fund your incentive program?

Executive Benefits.

Company-sponsored financial planning. Help executives and key employees 3008 get the most from their compensation package.

How to use Executive Life and Disability Income Insurance by using tax-deductible corporate dollars to help protect owners and key employees, both during their employment, and then into retirement.

Employee Financial Education.

Educated employees often make smart, informed financial decisions; and are more productive and loyal.

Wealth Management is more than a great investment portfolio.

It’s delivering a Return on Advice through the Five Pillars of Value:

Financial        Asset               Investment       Systematic           Tax
Planning        Allocation       Selection           Rebalancing         Management

It’s also working with an Essential Advisor who:

1. Identifies your needs and ensure he or she has the expertise to serve you as a client.
2. Puts your goals first and foremost.
3. Helps you understand your financial plan by cutting through the noise of the market.
4. Strives to understand your personal story: your values, investing style, tax situation, and goals.
5. Develops and carefully monitors a personal plan for you, and then makes timely portfolio adjustments to meet your changing circumstances.
6. Responds with true care and concern when you are faced with life transitions.
7. Helps you understand fees and expenses, and then the value added from these fees.
8. Tailors communication, education, and the overall client experience to meet your unique needs and concerns.
9. Communicates clearly, truthfully, and consistently.
10. Effectively utilizes technology to maximize time with you and other clients.

Where are you on your investment journey?

Emerging Wealth
Can I receive the same professional investment management with my first $10,000 as I can with $1,000,000?  Yes.  Ask us how.

Seasoned Wealth
What is the intended purpose of this money?  Do you want Risk Protection, Tax Efficiency, and no surprises?

Planning your Retirement Income Strategy
Helping you create effective, tax-efficient Predictable Retirement Income, investment growth to protect against inflation, while providing liquidity for emergencies.

Wealth Distribution
Helping you create a thoughtful, effective, tax-efficient estate distribution plan.

I’m available for a 30-minute session to ask all financial questions you may have. Some of the areas that might interest you include:

• Company benefits
  
  
• Retirement income planning
  
  
• 401(k) for both you and your spouse or partner
  
  
• Investments and tax-efficient investing
  
  
• Insurance, both individual and company-provided
  
  
• Business planning and questions
  
  
• College planning
  
  
• Retirement planning
  
  
• Commercial real estate