How We Help You
A wise man said "If your only tool is a hammer, all problems are nails". However, we are not limited by the constraints of one profession or one product. You won't be forced into a limited (and limiting) course of action holding you back and enriching others at your expense. We can use a variety of tools, properly integrated when needed, to help you reach your goals.
We follow two fundamental principles:
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We don't do anything unless it gets you closer to your goals. We don't sell products, and we take no commissions or referral fees, so our only motivation is helping you. There is no point in our spending our time doing anything else.
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We keep things simple. We don't use exotic investment strategies or questionable tax schemes. All costs to implement and manage your plan (financial, emotional, and mental) must be justified. If you don't understand our suggestions, and you are not comfortable with it, then it won't be done.
Here's what we do:
We listen to you. We want to learn what you want most out of life with the wealth you've accumulated (or will accumulate). Once we're clear on what your dreams are, we start to work with you. We'll develop a course that will help you reach those dreams.
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Life is risky, and these risks may impact the lifestyles you had hoped for. We'll help you learn how to protect you and your family from the economic impact of illness, disability, and premature death. We'll review appropriate use of property, life, medical, disability, and long-term care insurance, and see that these are utilized cost-effectively when (and only when) they're needed.
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Unmanaged debt will destroy any attempt to build or maintain wealth. Managed debt can enhance your lifestyle and increase your ability to accumulate wealth. We'll identify unproductive debt and help you reduce or eliminate it. We'll also help you see when debt might be used appropriately to get you closer to your goals.
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Your investments must work for you, and not keep you awake at night. You likely have enough to worry about - your family, your work, your business, and your career without adding the stress of managing your investments.
We'll help you determine what investments are suitable, based on your goals and risk tolerance, to help you reach your goals. We'll help you develop, implement and monitor an effective investment program. We'll help you reduce investment acquisition and management investment costs by using no-load mutual funds, treasury bills, certificate of deposits, municipal bonds, and other appropriate investment vehicles.
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The fundamental purpose of estate planning is to insure that the assets you've accumulated during your life accomplish what you'd like after your death. We'll review and assist as you prepare the documents needed to carry out your wishes.
In the process of reaching other goals, you'll likely accumulate enough assets to expose you to estate taxes. So we'll also work to reduce these costs, consistent with your objectives. We'll evaluate, recommend, and help implement wills, living trusts, life insurance and life insurance trusts, charitable organizations, and other strategies as they're needed.
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All you've accumulated can be lost due to attacks by creditors - both those relating to your business and investment activities and those related to accidents or other unforeseen circumstances. We'll help you consider and implement the appropriate strategies to protect both your business and personal wealth, including limited liability companies, corporations, family limited partnerships, offshore trusts, and other techniques.
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While taxes are a fact of life, unnecessary taxes hurt your ability to accumulate wealth. We'll work with your tax professionals to find opportunities to reduce taxes at the business, individual, and family level. Depending on your needs and resources, we may shift income to less-taxable entities, use tax deferred investment opportunities (retirement plans, annuities, etc.), or recommend tax-free investments.
