A TRULY COMPREHENSIVE PLAN MUST ADDRESS THESE
13 WEALTH MANAGEMENT ISSUES

Your family’s quality of life is intricately tied to how effectively your wealth is managed and preserved. And this must address not only the managing of your portfolio, but risk management, asset allocation, diversification, concentrated equity positions and alternative investments.

Your IRAs and employer retirement plan play a key role in your retirement income plan. We can help ensure that your investments in these accounts are appropriately allocated and that your beneficiary information is up to date and reflects your wishes.

If you are a corporate executive, stock options may be part of your overall compensation. We have specialized experience in navigating the complex regulations that govern them, and can help you with diversification and liquidity issues.

Protection from the unexpected should always be part of your wealth management plan. We can recommend a comprehensive plan to help you protect your assets, one that can include life insurance, long-term care insurance and annuities.

Managing the liability side of your balance sheet is of equal importance to your financial well-being. Responsible debt can serve as a powerful resource for real estate purchases, college expenses and business or other investment opportunities. We can offer lending strategies that can help you avoid liquidating your assets, allowing you to keep them invested for the pursuit of your long-term goals.

The proper titling of assets is often overlooked in estate planning, potentially exposing your loved ones to unwanted tax and wealth transfer issues. We can help you make sure all of your assets are titled correctly.

An accident, illness or incapacitation could impede or prevent you from making decisions regarding your estate and other financial matters. We can help you appoint a durable power of attorney to help ensure that an experienced, objective professional is in place to make decisions that are in the best interest of you and your loved ones.

It is important that the executor or trustee of your estate understands your investment strategy in case something does happen to you. We can meet with you and your appointed executor or trustee to address this matter.

If you would like to fund the college education of your children or grandchildren or help them start a business, we can help you with a gifting strategy. It can be highly fulfilling to see the positive impact your wealth can have on those you love during your lifetime.

Supporting the organizations or causes you believe in can be another gratifying use of your wealth. We can help you create a charitable giving plan that also has the potential to generate personal tax benefits and further your overall wealth management plan.

Mitigating estate taxes and avoiding probate are two important matters to address. We can help you select and implement a trust arrangement suited to your family’s needs and designed to do just that.

Leaving a legacy to your community and the causes important to you is an integral part of a well-lived life. We can help keep your memory alive and fulfill your charitable wishes with direct gifts, donor-advised funds, private foundations and trusts.

If you own a business, it may be your most significant asset. We can help you have a business succession plan to help you gain liquidity and transfer ownership when you are ready to sell or retire. We can also help you with lending strategies, insurance planning and cash flow management while you still own your business.