What We Do

Successful retirement and estate planning involves 4 objectives: 

• Adequate retirement income for the family
• Proper distribution of assets
• Tax reduction
• Adequate liquidity for debts and estate taxes.

Distribution and tax reduction are legal; retirement income and estate liquidity are economic.

Takes on many forms and nuances to protect your legacy. If the estate is made up of assets that do not liquidate easily or quickly, like real estate and closely held business interests, debts, and estate taxes can cause heavy losses from forced sale.

Rarely successful without proper funding with specially designed life insurance and income protection. Few business have cash in amounts necessary to pay off a shareholder and with the loss of a key person, installment payments to surviving family are uncertain.

With limits on Roth and 401k contributions and 401k cutbacks for the highly paid there are few ways for some to build safe and protected silo’s of assets.

Not everyone needs us in this space. If you do we keep it simple and keep you informed. Modern portfolio theory and proper asset allocation are deployed based on client goals, objectives and circumstances.