WEALTH MANAGEMENT

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Planning ensures that your goals are met.

Risk Management protects your assets.

Portfolios are built with Modern Portfolio Theory.

Insurance & Annuity Planning

   ~ Providing for your spouse and kids if you are not around?
   ~ Gifting to family, friends and charities at the time of death?
   ~ How to pass on your Estate without having to worry about the cost of Estate taxes to your heirs?
   ~ Protecting the value of your business for your heirs?

   ~ Enjoying taxed-deferred savings in a Whole Life and/or Annuity?
   ~ Income-for-life (in retirement) and not outliving one's assets with an Annuity?

Your family and business can be protected with Insurance. Annuities are tax-deferred Insurance savings programs. Which insurance products can benefit you?

Tax Planning

   ~ Minimizing Ordinary Income, Capital Gains and other taxes for family, friends and charities?
   ~ Saving strategically - minimizing tax liability and taking income distributions?
   ~ Tax-deferred savings in an Insurance product: Whole Life (cash value, endowments & MECs) insurance and Annuities?

Save more for your home, children's Education, Retirement and Estate by enhancing your Tax strategies. Which strategic opportunities will reduce your liabilities?

Education Planning

~ Investing for a child, grandchild or friend with a educational tax-deferred growth account?

Education funding is diverse and can come from savings, 529 plans, Grants, Scholarships, Fellowships, borrowing, volunteering for National service as well as Veterans and their dependents. How best to plan for educational expenses?

Retirement Planning

   ~ Planning for enough income and assets in retirement?
   ~ Investing in a Traditional IRA and/or a Traditional Roth IRA?
   ~ Saving in Defined Benefit and Defined Contribution plans with before-tax dollars and tax-deferred growth?
   ~ Social Security, Medicare and Medicaid (Long Term Care support) in retirement?
   ~ Annuities with taxed-deferred savings and income-for-life choices?
   ~ Strategies for saving/investing for retirement and investing/withdrawing in retirement?

Financial independence through investing with tax-advantaged Qualified, Non-Qualified plans and tax-deferred Annuities. Which retirement plan is best for you?

Asset Management

   ~ Fundamentals of investing?
   ~ How to build an investment portfolio?
   ~ Which asset classes you should be looking to buy and sell?
   ~ Risk is how much you can tolerate losing when investing your assets?
   ~ Strategic investing with Modern Portfolio Theory?
   ~ Tactical investing with Portfolio Optimization?

Asset management with Modern Portfolio Theory will optimizes your investment returns. Cash, Fixed income, Equity investments and Real assets/property. Is your objective growth or preservation?

Estate Planning

   ~ Estate taxes on an individual, surviving spouse and couple?
   ~ Reducing and/or avoiding Estate taxes?
   ~ Insurance provides a non-taxable gift to beneficiaries and is exempt from probate?
   ~ Gifting, if charitably inclined to family, friends and to others?

Estate Planning effects the ownership and distribution of your assets, directs decisions regarding your health, wealth, and the guardianship of your minors. Estate Planning helps you to avoid the State and Federal court system throughout your lifetime. You decide or the courts?

Suitability - Tests

~ Are you an Aggressive, Balanced or Conservative investor?

Individual investors make risk decisions based on their tolerances for different types of "losses". What is your Risk profile today and does it match your Investment portfolio?

Diversification

~ Understanding risk reduction through diversification?

Diversification is investing in more than one Asset Class, Sector and/or Geographic region. The objective is positive returns and fewer losses.

Modern Portfolio Theory

~ Building a portfolio using Modern Portfolio Theory?

MPT is the most robust method of diversification. MPT focuses on the return of your entire portfolio. It is the method of combining disimiliar assets in order to build a portfolio with Higher returns and Lower risk (losses).

Insurance

~ Reducing risk through the use of Insurance?

Insuring a specific investment against losses is accomplished by purchasing protection. The purchase of a short or a "derivative" product is used to insure against the risk in a specific investment.

Hedging

~ Hedging investments from risk?

Hedging is the most perfect method of insuring investments. It has been used successfully in Institutional portfolios for decades. Hedging protects investments by offsetting the risk inherent in individual investments with an offsetting investment (or hedge).

Core Portfolios

~ Using Core Portfolios?

Constructing portfolios for a Client's risk profile most accurately captures attitudes toward losses. Risk profiles can be broadly described as Aggressive, Balanced or Conservative. An "aggressive risk profile" describes an individual with a higher tolerance for possible financial losses (over "short" periods) for probable higher returns (over a "long" time horizon).

Aggressive Portfolios

~ Your customized AGGRESSIVE Portfolio.

An AGGRESSIVE portfolio "MARKET plus" has a long time horizon (in excess of 5 years) and exposure to Equity investments up to 100%. This is a portfolio customized to the special needs of each individual Client.

Balanced Portfolios

~ Your customized BALANCED Portfolio.

A BALANCED portfolio "MARKET" has a time horizon (of 3 to 5 years) and exposure to Equity investments up to 70%. This is a portfolio customized to the special needs of each individual Client.

Conservative Portfolios

~ Your customized CONSERVATIVE Portfolio.

A CONSERVATIVE portfolio "BOND plus" has a time horizon of as little as (of 1 to 3 years) and exposure to Equity investments limited to no more than 35%. This is a portfolio customized to the special needs of each individual Client.

Satellite Portfolios

~ Using a Satellite Portfolios?

Client's investments which are NOT in their core portfolio are put in one or more Satellite portfolios. A Satellite portfolio may contain a Client's inherited investments (family legacies), employee's stock holdings (restricted), and/or investments particular to a individual investor (personal trading accounts, etc.)

Newsletter

~ Our Newsletter of Economic and Market Events.

Our Newsletter of Economic and Market Events follows news which impacts the favorability or unfavorability of major assets classes. Following history over years reveals pressures which cause prices to move and you to benefit. Remarkably, individual investors own few asset classes in their portfolios - denying themselves higher returns and lower losses.

Is it time to take advantage of Opportunities?

Related Topics

Contact Us - FINANCIAL PLANNING Inquiry

Contact Us - PORTFOLIO MANAGEMENT Inquiry

Contact Us - FREE Insurance QUOTE

Contact Us - ANNUITIES Inquiry

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