Comprehensive Personal and Business Financial Planning Services




PERSONAL FINANCIAL PLANNING SERVICES
SPECIALIZED PERSONAL PLANNING SERVICES
BUSINESS FINANCIAL PLANNING SERVICES
SPECIALIZED CORPORATE PLANNING SERVICES FOR KEY EXECUTIVES AND OWNERS





1. CASH FLOW PLANNING - Structuring your income and expenses to maximize investment accumulation.

2. INSURANCE PLANNING - Reviewing coverage of automobile, homeowner's, life, health, disability and long term care insurance for adequacy and economy; including a review of employer group benefit programs.

3. TAX PLANNING - Taking advantage of various tax planning strategies to help reduce taxable income; such as the use of qualified retirement plans, the use of the 1031 exchange with the sale of investment real estate, charitable trusts, private annuities and energy investments such as natural gas limited partnerships.

4. INVESTMENT PLANNING - Developing a diversified investment portfolio based on the tenants of Modern Portfolio Theory and then reviewing, monitoring and updating that portfolio. This may include implementation of an investment portfolio as a registered representative, on a commission basis or as an associated member of a Registered Investment Advisor where compensation is an asset management fee based on the amount of assets under management.

5. INVESTMENT REAL ESTATE PLANNING - Assist in the structuring of Section1031 real estate exchanges to indefinitely defer capital gains and depreciation recapture taxes due on the sale of highly appreciated investment real estate properties.

6. STOCK OPTION PLANNING - Equity compensation (stock options, restricted stock, stock appreciation rights, etc.) is a powerful incentive due to its wealth building potential. These programs are highly complex so we utilize a process to model for risk, returns, and income tax and cash flow optimization. Our Equity Compensation Planning Process uses 2 steps:
  1. Analyze and monitor the value, leverage, and risk in the portfolio to identify "when" to make timely diversification decisions.
  2. Develop an exercise and sell strategy optimized for tax/cash-flow efficiency by modeling the after-tax affects of various alternatives

7. RETIREMENT PLANNING - Analyzing retirement needs and reviewing income sources at retirement; analyzing and developing company pension and retirement plans; building a capital base for retirement income; analyzing required minimum distribution alternatives.

8. ESTATE PLANNING - Positioning the individual's estate to minimize estate taxes; and ensuring a smooth transition from one generation to another through the use of wills, trusts and charitable gifts.




DIVORCE PLANNING - Divorce isn't easy and emotional pain is something money can never heal. But there are ways to lessen the stress of starting out anew. With divorce planning, you can avoid burdening your new life with avoidable financial pressures. A clear understanding of your financial situation brings you that much closer to a better and more secure tomorrow.

COPING WITH THE DEATH OF A SPOUSE - The grief felt when a spouse dies, whether it was unexpected or the result of a lengthy illness is overwhelming. One is never fully prepared for the emotional, and often financial, trauma of losing a spouse. The decisions facing a grieving spouse will have a significant and lasting impact on their future financial well being.

In the period following your spouse's death, you will be flooded with paperwork and likely feel pressured into making financial decisions quickly. It is important to do things one step at a time, at a pace that feels comfortable for you. We can help organize your affairs, identify any problems or issues, and prioritize the decisions that must be made.




1. QUALIFIED 401(K), PENSION, PROFIT SHARING AND EMPLOYEE STOCK OWNERSHIP PLANS - How long has it been since you've had an analysis of your existing plans? Recent changes to the tax code allow for new programs and substantially increased contributions to your qualified retirement accounts.

2. NON-QUALIFIED PENSION PLANS AND EXECUTIVE FRINGE BENEFITS - Design and development of non-qualified pension and deferred compensation plans for key executives and business owners. See Specialized Corporate Planning Services below.

3. EMPLOYEE FINANCIAL EDUCATION PROGRAMS - Provide comprehensive financial education designed to benefit both employees, by increasing financial decision-making skills, and employers, by reducing costs related to employees personal financial problems.

4. INVESTMENT REAL ESTATE PLANNING - Assist in the structuring of Section1031 real estate exchanges to indefinitely defer capital gains and depreciation recapture taxes due on the sale of highly appreciated investment real estate properties.

5. ESTATE ANALYSIS - Plan company-sponsored estate planning programs, including coordination of wills, trust work, asset management, and financial planning.

6. TAX PLANNING AND ASSET ACCUMULATION - Provide coordination of tax planning and asset accumulation with company-sponsored and individually designed plans for executive and middle management personnel.




EXECUTIVE BENEFIT PLANNING - Today's executive compensation packages include much more than a high salary. In fact, the selective benefits offered are often worth more than the paycheck. Employer stock options alone have been worth millions to those who managed them wisely. We will help you fully understand your total package, including the deferred compensation components, such as incentive and non-qualified stock options, restricted stock bonus plans, top-hat SERPs, Rabbi Trusts, split dollar plans, and so forth. Our customized modeling process will assist you in evaluating the future benefits, forfeiture risks, intricate tax implications, timing considerations, and diversification issues in order to take full advantage of these valuable benefit programs.

BUSINESS SUCCESSION PLANNING - As a business owner, you are accustomed to working hard in your business. It is difficult to find enough time to plan for the future of your business and your exit strategy. We can help you to analyze current and projected cash flows, obtain appropriate valuation services, explore selection of entity type and evaluate the net after-tax proceeds of various transfer or sale methods. We work hard to understand the family dynamics involved with multi-generational business ownership. As your advisors, we will help you sort through all the issues and personalities involved so that you are able to arrive at a wise and equitable decision.