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Technology
Retirement Plan
Fiduciary
Family Business
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Services.


We specialize in wealth management, business financial planning and legacy planning.

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Services.


We specialize in wealth management, business financial planning and legacy planning.

Take the questionnaire

Wealth Management


As a boutique consulting firm, we empower you to shape your financial future through holistic investment strategies, a high level of knowledge and expertise in financial planning. We distinguish ourselves by simplifying the complex financial needs of individuals and families into intentional and well-articulated financial goals. This personalized approach allows you the opportunity to create a clear vision for your future focused on wealth preservation and generational transfer.

Wealth Management

Technology

A crucial part of any investment advising solution is the client’s ability to easily access account information in real-time.  A best in class technology suite should be available to accomplish this goal.  In addition, a fully integrated suite provides clients with the ability to organize and prioritize short-term and long-term investment and financial goals.  The ability to access and utilize a robust technology platform substantially enhances the client/advisor relationship.   

Estate Planning

Estate planning is a critical part of ensuring your family’s legacy and long-term financial health.  These strategies combine a mix of financial and legal tools to protect your family’s wealth beyond your own life expectancy and on to future generations.  Financial advisors will not only be able to provide you with a comprehensive financial plan, but will also be able to connect you with other estate planning professionals to help you establish the optimal legal framework to protect your family’s future. 

Income Planning

While most people consider financial planning to be primarily about the management of assets they’ve already accumulated, many forget to assess the value of future income on their long-term financial condition.  In fact, income planning is a critical part of the overall investment process, as it enables you to prepare for changing lifestyle needs over time, while simultaneously establishing a savings plan that will ensure you achieve your long-term goals.  Your financial advisor should work with you to develop a comprehensive income strategy that bridges the gap between where you are today and where you want to be in the future in terms of monthly retirement income.

Tax Optimization

Many people are very aware of the impact taxes have on their current income, however,  few consider the long-term effect taxes play on their financial holdings.  Especially in light of recent changes to the tax code, it is more important than ever for investors to understand the implications tax policy has on their total wealth.  Top financial advisors provide you with a mix of investment strategies to diversify the tax implications on your investment portfolio as a whole, so as to maximize the retained value of your assets during and throughout retirement. 

Insurance Planning

Although among the most core components of any sound financial plan, life insurance is largely overlooked and underutilized by the general public.  While the reasons for this varies from person to person, it is imperative that life insurance needs are appropriately measured and addressed to help ensure you and your family’s long-term financial stability.  More than simply a hedge against risk, life insurance can also be used as a valuable tool in the wealth accumulation and tax-diversification process.  Due to the vast amount of options in this space, it is critical that your financial advisor exhibits a deep knowledge of available products while maintaining impartiality in helping you identify the right solutions to meet  your life insurance needs. 

 

Credit and Debt Management

Debt is typically something most people dread, however, understanding the different types of, and best practices for managing, debt can make addressing these concerns much easier to endure.  “Good debt,” such as a mortgage, can enhance your ability to acquire and grow your wealth beyond your current cash resources.  Additionally, developing a comprehensive plan to eliminate “bad debt”, such as consumer debt, can free up much needed cash flow to ensure proper savings and investments are being made toward future goals.  Your financial advisor can help to develop a plan that satisfies your long-term needs within the scope of your short-term financial resources.

Generosity

While many people love the idea of donating to charitable causes, most feel overwhelmed by their personal financial constraints to justify parting with a meaningful portion of their assets to satisfy these desires.  Navigating the vast sea of charitable organizations can itself seem like a daunting task, particularly when it comes to assessing the percentage of contributions that actually go to the provision of services.  An advisor can help develop a plan that places purpose and freedom behind your giving.  By creating a vision for charitable contributions that works with current resources or that utilizes tax strategies for long-term charitable donations, organizations and causes closest to you can be impacted now and for generations to come.

Investment Management

When assessing the best fit for your specific financial needs, consideration must be paid to the range of services being offered. The optimal solution provides investment management along with a fully integrated suite of resources designed to create a holistic financial plan for you and your family.  Your advisor should educate you on the benefits of incorporating both traditional and alternative investments into your overall financial plan, as well as help you to develop a comprehensive strategy for achieving your long-term financial goals.  In short, a deep expertise in financial planning coupled with a commitment to customer service will be core principles of your financial advisor’s mission to serve you and your family. 

As a boutique consulting firm, we empower you to shape your financial future through holistic investment strategies, a high level of knowledge and expertise in financial planning. We distinguish ourselves by simplifying the complex financial needs of individuals and families into intentional and well-articulated financial goals. This personalized approach allows you the opportunity to create a clear vision for your future focused on wealth preservation and generational transfer.

Business Financial Planning


As a boutique consulting firm, we simplify the complex financial needs of business owners into intentional and well-articulated financial goals with solutions in 401(k) plan management, executive compensation, succession planning, key person strategies, business valuation, and cash management.

Business Financial Planning

Retirement Plan

Establishing a company sponsored retirement plan creates tremendous value for both business owners and their employees.  For the business owner, a retirement plan creates a personal tax shelter that can continue to grow alongside the company's profitability.  Additionally, these plans can allow for after-tax (Roth) contributions that are not subject to the same income limitations of their IRA counterparts.  Furthermore, offering an employer-sponsored retirement plan has proven to be an excellent tool in employee recruitment and retention.  Understanding the many options available in this area and identifying the optimal solution for your company can go a long way towards enhancing your company’s overall benefits. 

  • 401(k) / 403(b)
  • SEP / SIMPLE
  • Profit Sharing
  • Cash Balance
  • H.S.A.

Executive Compensation

Whether an innovative executive officer, a key salesperson, or an irreplaceable administrator, certain individuals are critical to a company’s long-term success.   As such, retaining and incentivizing these individuals is an integral part of ensuring the future of your business.  Understanding and evaluating the tools available to business owners in regards to non-qualified executive compensation plans can help solidify the relationship between a company and its key employees. 

Open Architecture

When establishing a company sponsored retirement plan, it is important to consider the underlying investment options available to plan participants.  In general, a healthy retirement plan has a well-diversified mix of investments available to allow for customized investment strategies for each employee.  An open architecture platform allows for your advisor to utilize the full range of mutual funds necessary to provide your employees with investment solutions tailored to their specific risk tolerance and investment objectives. 

Succession Planning

Part of a company’s long-term business model is an assessment of how to capitalize on its overall value.  While some business owners may prefer to continue running their business indefinitely, others may view a future sale of the business as an excellent way to extract the full financial value from their efforts.  In either case, there are a number of considerations that must be made in order to help ensure that the business owner’s long-term goals are realized.  Securing reputable business valuations, structuring shareholder agreements, and insuring business owners are critical steps in ensuring the realization of your company’s true value.

Risk Management

Often overlooked by many business owners is the wide range of risks associated with operating a company.  A business owner’s liability extends to his employees, clients and other business professionals associated with the provision of goods and services.  Furthermore, the consequences of inadequately addressing risk can have a material negative impact on a company, and in some cases even result in permanent shutdown. It is imperative that business owners be educated on the variety of risks they are exposed to and the requisite solutions available to satisfy these liabilities.  Utilizing your business advisor’s expertise in risk management can go a long way towards protecting both you and your company.

Cash Management

Ensuring adequate liquidity is a concern all business owners face.  Specifically, owners need to be confident that a company’s cash reserves are enough to cover such things as daily operations, capital expenditures, and unexpected emergencies.   In addressing these needs, business owners must consider the various options relating to savings accounts, short-term investments and revolving credit facilities that are available to them.  Identifying the optimal mix of these cash management vehicles is critical to the day-to-day operations of any company.  

Corporate Responsibility

In the modern world, a company’s value is no longer measured entirely by the financial wealth it generates for it’s shareholders, employees, and clients.  Instead, overall value is also determined by the impact a company has on its community, the environment, and society’s greater consciousness.  As such, understanding how to enhance your company’s “real” value through employee wellness programs, socially responsible investing and community outreach is becoming increasingly important in today’s business climate. 

As a boutique consulting firm, we simplify the complex financial needs of business owners into intentional and well-articulated financial goals with solutions in 401(k) plan management, executive compensation, succession planning, key person strategies, business valuation, and cash management.

Retirement Plan Management


 

The Family CFO exists to organize and oversee the financial activities of the family and provide sound guidance on all matters related to finance. Utilizing best-in-class technology, the Family CFO is able to organize the financial affairs in meticulous detail and provide an ongoing personal balance sheet and cash management solutions to the family. Furthermore, a Family CFO is able to assemble a first-class team of professionals across multiple disciplines (tax, legal, etc.) or work with the family’s existing professionals to create a collaborative advisory ecosystem. In many situations a Family CFO also affords the family additional social grace, as they can be the initial filter for grant requests, solicitations for investments in private deals from close friends, and financial requests from close relatives.

                                     Family Office Questionnaire

Retirement Plan Management

Fiduciary

When offering an employer sponsored retirement plan, business owners take on a fiduciary liability on behalf of their employees in regards to selection of the plan, plan administration and investment offerings.  While this extra layer of liability can be somewhat burdensome if managed by the employer alone, partnering with a Registered Investment Advisor (RIA) and/or qualified plan administrators can go a long way towards minimizing risk.  In short, incorporating fiduciary advisors as part of your company’s retirement plan may reduce the business owner’s risk and help maximize the value and services provided to plan participants

Investments

Although each individual employee is ultimately responsible for choosing how to allocate their money within a given retirement plan, it is incumbent upon business owners to ensure that an adequate mix of investments are available for employees to select from.  Additionally, it is the employer’s responsibility to see that necessary options, such as automatic rebalancing and investment monitoring solutions are available to employees in order for them to properly manage their retirement assets.  Partnering with a fiduciary advisor can help ensure both the quality and diversity of investments available within the plan which in turn provides an unbiased approach to a participant’s investment allocation.

Employee Advice

A key differentiator in retirement plan service is the degree of guidance employees receive when establishing their contributions and investment allocations.  While basic plans offer some preliminary online assessments to help guide employees towards appropriate investments, many of these tools are limited, and very few offer continued on-site support from an actual 401(k) professional.  By having direct access to an actual investment advisor throughout their tenure, employees are capable of making more informed savings and investment decisions on a continuing basis.  Even as their needs change over time, having access to one-on-one financial advising can help your employees plan and protect their long-term financial futures.     

Independent Consultants

While there are many types of financial advisors to choose from when determining who to partner with on company sponsored retirement plans, among the most important factors to consider is an advisor’s independence or impartiality.  Specifically, an advisor’s objectiveness in developing investment recommendations and/or establishing plan electives is critical to prudent stewardship of any retirement plan.  A good advisor is agnostic when it comes to “brand” and focuses exclusively on the quantitative and qualitative characteristics of each investment within a given plan. 

Client Service

Customer service has become somewhat of a lost art form in today’s business environment.  Especially when it comes to something as important as an individual’s financial future, demonstrating an attentive and caring approach to client interactions should be a primary concern when selecting a financial advisor.  A good advisor makes him/herself available to clients in a timely manner, and generally is accompanied by a dedicated support team to efficiently and effectively address all client inquiries and needs.   

Human Touch

While most retirement plans include online support services, very few offer the added benefit of on-site interaction with a dedicated financial advisor.  Personal interaction with a trained advising professional often opens up opportunities for employees to engage on a broader range of topics and enhances the value-add from your 401(k) advisor.  Additionally, live support from a team of licensed professionals during normal business hours compliments regular onsite visits from an advisor.

Plan Management

Throughout the life of a company sponsored retirement plan, it will be important to ensure quality, cost and compliance demands are managed according to the growing needs of the business.  The optimal retirement solution should enable the business owner to monitor employee participation and account values, as well as fulfill their ongoing responsibilities as a plan Trustee.  Fully integrated solutions, that includes a Plan Administrator, Custodian Fiduciary Advisor, and Payroll provider can create  the infrastructure and support necessary to satisfy these goals on a continual basis.  Annual review of services providers helps to ensure the platform, investments and cost are in alignment with the growth of the business and the plan assets.

Plan Design

With many of the most important decisions related to retirement plans made at inception, ongoing plan reviews help ensure the changing needs of the business and the growth of plan assets are being met.  A plan’s structure should be customized to the specific needs of the business and it is important that every plan is in compliance with existing (and evolving) ERISA guidelines.  Consulting with a qualified retirement advisor during the design phase is key to ensuring the overall optimization and customization of your company’s retirement plan today and over the life of the plan. 

 

The Family CFO exists to organize and oversee the financial activities of the family and provide sound guidance on all matters related to finance. Utilizing best-in-class technology, the Family CFO is able to organize the financial affairs in meticulous detail and provide an ongoing personal balance sheet and cash management solutions to the family. Furthermore, a Family CFO is able to assemble a first-class team of professionals across multiple disciplines (tax, legal, etc.) or work with the family’s existing professionals to create a collaborative advisory ecosystem. In many situations a Family CFO also affords the family additional social grace, as they can be the initial filter for grant requests, solicitations for investments in private deals from close friends, and financial requests from close relatives.

                                     Family Office Questionnaire

Family CFO


Family CFO

Family Business

  • Business valuation
  • Succession planning
  • Estate equalization
  • Executive compensation planning
  • Cash management
  • Risk management
  • 401(k) retirement plans
  • Corporate maintenance solutions

Advanced Insurance and Tax Planning

 

  • Estate tax calculations
  • Leveraged asset transfer
  • Tax-efficient distribution/income planning
  • Insurance audit
  • Arranging of specialty insurance for luxury items
  • Insurance consulting: umbrella, life, disability, long-term care, health

Credit Management and Investment Banking

  • Investment-centered credit strategy
  • Analysis of personal credit and monitoring
  • Introduction to suite of banking professionals
  • Sourcing of bank loans for expansion or buyout
  • Consulting on leveraged and management buyouts

Family Generosity

  • Family foundation consulting and management
  • Donor advised fund management
  • Facilitation of family meetings
  • Family service and vision trips for children

Cash Flow

  • Monthly income/expense report
  • Household budget consulting and monitoring
  • Monitoring and managing of cash positions
  • Emergency reserve fund recommendations and management
  • Weekly bill and vendor pay oversight
  • Household payroll oversight

Purpose

  •  Proprietary tools to discover individual purpose
  •  Legacy planning  
  •  Family retreats
  •  Family, health and wealth, best practices

Alternative Investments

  • Real estate investment advisory
  • Access to premier private equity managers
  • Access to premier hedge fund managers
  • Senior secured loans and private credit
  • Infrastructure investment opportunities
  • Energy and natural resources private placements

Trust and Estate Planning

  • Asset protection
  • Family bank creation and oversight
  • Globalization of assets
  • Consulting on trust and entity formation and jurisdiction
  • Special needs trust consulting
  • Beneficiary management and mapping
  • Family LLC/LLP annual gifting plan
  • Family trust overview and education for children