Client 360° Service

Our 360° proactive service approach is based on clear and frequent communications with our clients. Our initial 90-day focus is to discover and analyze your goals, obstacles, and opportunities before we begin to explore strategies that address your needs. After you thoroughly understand your investment alternatives, we then implement the strategies that are most suitable for your unique situation. We then monitor and adjust your portfolio during quarterly meetings that focus on keeping your portfolio, income and expense, tax, legacy and financial estate plans in sync with current market and regulatory conditions.

This disciplined investment framework is supported by our state-of-the-art Wealth Management System that works daily to help guide you toward managing your personal financial goals. We can consolidate and simplify ALL of your financial accounts into your own personal Financial Dashboard which is updated daily. With secure web access, you can monitor all your plans, accounts, and strategies in real-time. The system even alerts you (and us) when certain thresholds or triggers have been reached. Our clients also enjoy keeping their important and valuable papers in the secure online vault so that they can access them anywhere, anytime.

Here is a list of some potential deliverables that we work with you on during our initial 90-day planning effort:

• INDEPENDENT OBJECTIVE PORTFOLIO REVIEW
  • Detailed Assessment of Your Portfolio’s:
    • Asset Allocation, Investment Strategy, and Holdings Analysis
    • Nobel Prize-winning Risk Analytic framework for understanding your portfolio's exposure to potential losses from market risk, interest rate risk and other risk factors.
    • Stress test your portfolio for potential market and economic scenarios.
    • Understanding of Fees, Sales Loads, & Expenses
• RETIREMENT CASH FLOW ANALYSIS
  • Iterative Analysis of Your Income & Expenses Until Age 100
  • “What If…” Analysis To Plan For Future Life Events
• PENSION ANALYSIS
  • Pension Maximization: Lump sum vs. Pension Payout Option Analysis
  • Social Security Benefit Maximization
• ESTATE PLAN & LEGACY RECOMMENDATIONS IN COORDINATION WITH YOUR LEGAL ADVISOR
  • Roles and Responsibilities of your estate planning team: 
    Lawyer, CPA, and Financial Advisor
  • Help Ensure Proper Titling of Your Accounts
  • Estate Optimization & Estate Tax Reduction
• INCOME TAX ANALYSIS
  • Minimize Taxes on Social Security, Pensions, & Investments
  • Optimize IRA vs. Non-IRA Income Streams
  • Roth IRA Conversion Analysis
  • Tax Strategies for highly appreciated assets
• HEALTHCARE & LONG TERM CARE RECOMMENDATION
  • Understand and Minimize Retiree Healthcare Costs: Medicare, Medicare Supplements, Prescription Drug Coverage, Dental & Vision.
  • Develop a “Plan” For Paying for Long Term Care (LTC) Costs
  • Non-Traditional Methods for LTC
    • Self-Funding Growth Accounts
    • Asset Based Long Term Care Protection
• REAL ESTATE OPTIMIZATION
  • Tax Efficient Strategies for Rental Properties, Highly Appreciated Assets, & Depreciation Recapture Issues
  • Generating Income Streams from Rental / Personal Property
• ASSET CYCLE PORTFOLIO SYSTEM® RECOMMENDATION
  • Comprehensive Plan for Your Income & Growth Accounts
  • Easy-to-Understand – You can summarize your plan on 1 page
  • Each Account has an Explicit Purpose in Your Financial Plan
  • Each Account has an Appropriate Risk / Reward for Your Needs
  • Systematic & Structured Method that can allow for Long Term Growth potential without undue Market Risk while taking Income
• WEALTH MANAGEMENT SYSTEM
  • Simplify your financial management by monitoring YOUR accounts on your Personal Web Page.

We emphasize the importance of working with a TEAM of advisors. We are not practicing accountants or attorneys and this information does not constitute tax or legal advice. Some of the materials that we provide may be directly or indirectly based upon generally accepted tax principles. The underlying premises are always subject to change. For these reasons, independent tax and legal counsel are suggested.