Our Services
For the Business
Families ~ Corporations ~ Institutions Selective Compensation Programs
- Deferred compensations and 401k plans – shelter income from current taxes
- Salary continuation plans – receive tax free income
- Split-dollar insurance – minimize out of pocket costs using corporate leverage
- Pension/Profit-sharing plans – designed to favor owners and key employees
- Key-person insurance – prevent severe economic loss to business
Ownership Transference Techniques
- Buy/Sell Funding – guarantee a buyer for your business
- Stock redemption – insure sale price and funding
- Recapitalization – shift tax liability on future corporate growth
- Installment sale – amortize your tax liability
- Private annuity – sell your business and receive a lifetime income
- Shareholder liquidity and capital formation
Group Benefits
- Financial planning seminars counseling
- Group life, health and disability insurance
- Employee benefit cost control
Special Services
- Assistance in business valuation to facilitate sale or for estate tax considerations
- Incorporation feasibility studies
- Financial counseling – coordinate all financial goals with fringe benefit analysis Pension fund management selection and evaluation
Wealth Management
- Employee stock option exercises
- Alternative investments
- Restricted and control stock sales
- Liquidity solutions, hedging strategies
- Loan advance and credit advance
- Asset protection
For the Family
Retirement Planning
- Pension maximization
- Retirement timing
- 10 year cash flow projections
- Determination of income and capital need
- Capital accumulation
Education Planning
- Projections of college expenses
- Funding strategies
- Gifting
Investment Planning
- Goal and strategy determination
- Asset diversification
- Risk-Reward analysis
- Performance Monitoring
Fringe Benefit Planning
- Contingency planning for disability
- Minimizing dependence on company benefits
- Utilization of company savings plan
Tax Planning
- Maximizing deductions
- Tax-advantaged investments
- Tax reductions strategies
- Proper utilization of tax law change
Estate Planning
- Tax minimization
- Family survivor income
- Liquidity sufficiency
- Property titling and ownership planning
- Survivor asset management
- Estate distribution planning
- Trust planning and administration
- Charitable/Philanthropic strategies