WEALTH PLANNING

CLEAR INSTRUCTIONS FOR DIFFICULT FINANCIAL CHOICES

Know Your Options

Make Confident Choices

Pursue Your Goals

Gather & Organize Data / Discover Plan Gaps / Realize Financial Goals

The Problem

Have you discovered your life’s
missions and ambitions?

Is your financial playbook in line with
those life priorities?

Do you ever find yourself losing sight of what’s ultimately important as you make day to day decisions?

Are you aware and safe guarded from the financial pitfalls that stand in the way of maintaining the wealth needed to live out your life’s goals?

We know what wealth eroding factors successful families encounter throughout their
life and how to effectively minimize and in some cases avoid their impact.

Private wealth is made up of 6 core categories
all of which need review and oversight.

1

CASH FLOW PLANNING

Avoid financial loss from mis-managing expenses, income, assets, and liabilities during both the wealth accumulation and income phase of life.

Personal Financials

The creation and continual maintenance of your personal income and net worth statements.

Personal Goal Forecasting

Documenting, tracking and recalibration towards important life ambitions and desires.

Debt Management

Use analysis, product comparison, and payment management of various forms of debt instruments.

2

INCOME TAX PLANNING

Minimize financial loss resulting from excessive income tax.

Income Tax Minimization Strategy

The process of proactively assessing one’s personal income tax liability and using legal and viable tactics to minimize the cost.

Capital Gain Tax Minimization Strategy

Determining the proper timing, and strategic ways to realize or defer sizable investment gains from investments such as private business, real estate, public stock, collectables, etc.

Tax Return Coordination

The communication, gathering and providing of needed information one’s CPA/accountant needs to quickly and accurately file tax returns.

3

INSURANCE PLANNING

Protect wealth against un-foreseen events using cost-efficient premiums.

Life

Analysis and advice of needed death benefit coverage, product types, riders, and policy ownership.

Health

Analysis and advice of coverage need, plan types, health networks, deductibles, and funding methods.

Disability

Analysis and advice of coverage need, plan types, riders and funding methods.

Liability

Analysis and advice of coverage amount, coverage structure, deductibles, exclusions, and funding methods.

4

INVESTMENT PLANNING

Avoid fatal investment losses caused by misinformed decisions.

Asset Allocation

The technical pairing of both traditional asset classes such as stocks and bonds with private asset classes such as private credit, real estate and private equity (when appropriate) in the construction of an investment portfolio design.

Diversification

We believe portfolios should be invested in multiple areas of the market to mitigate specific investment and asset class risk. Different assets often act differently to the same event.

Investment Research

The on-going process of selecting and monitoring specific investment strategies and managers worthy of use for the fulfillment of a portfolio’s allocation design. We use a combination of bottom-up and top-down research for investment management selection.

Tactical Management

The use of tactical techniques to take advantage of opportunities that present themselves during different phases of a market cycle.

5

ESTATE & GIFT PLANNING

Preserve wealth for your charitable legacy and/or future generations.

Entity Structure

Advice on how to organize, own and operate valuable assets.

Trusts

Continual review and updating of assets owned by a family’s trust(s).

Gift Planning

Advise surrounding charitable goals, funding methods and the income tax ramifications.

6

BUSINESS PLANNING

Maximize the sellable value and opportunities unique for business owners.

Benefits

Reviewing and comparing the many forms of employee benefit and compensation programs used to both retain valuable employees and benefit the company’s founders and executives.

Succession

Advice pertaining to the many facets of selling an operating business such as the review of deal terms, deal economics, deal structure, tax efficient receipt of sale proceeds, estate implications and financial life after the sale.

Disclosure: Asset allocation and diversification will not necessarily improve an investor’s returns and cannot eliminate the risk of investment losses.