We believe in the integration, or continually folding together, of the wealth accumulation process rather than a single product to solve our customers needs. Our goal is to teach our clients the dynamics of wealth as a total or combined outcome, relating to all assets and their value or expense. We do not sell a solution, we create options for our clients knowing that if you have options you can always win.

Our key services are listed below and address:

  • Cash flow
  • College planning
  • Debt management
  • Financial Analysis
  • Inflation
  • Real wealth accumulation
  • Risk management
  • Social secutity
  • Wealth preservation

Here are several of the services we offer our clients:

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businessPlanning

Business Succession Planning

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taxStrategy

Pensions & Tax Strategy

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Retirement Income Planning

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Family Legacy Planning

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personalInsurance

Personal
Insurance

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lifeinsurance

Life
Insurance

Business Succession Planning

Business Succession Planning is for business owners and partners to assure that they will get the proper value for their business they spent a lifetime building. It insures the business owners or partners for the value of the business. This type of planning also guarantees the seamless transition of a business to the chosen successor(s). Proper planning can prevent three unnecessary taxes. These taxes include: windfall profit taxed to the business, income tax to the individual, and/capital gains taxed to both the buy and seller individually.

This was valuable for an electrical engineering company owned by two brothers.  We worked with an attorney to draft a cross purchase buy-sell agreement which we then funded with both life insurance and disability insurance. If something happens to one of the brothers where they are no longer able to share in the responsibility of managing their business, we have created a fail-safe where the business will have immediate capital to buy out the other brother or surviving spouse, receive stepped up cost basis, and allow the business to continue running seamlessly.

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Pensions & Tax Strategy

Qualified plans are definitely not for everyone, however it is important to understand that if you are in the top 15% of tax payers in America, you can benefit from deferring taxation in a qualified plan. We can help illustrate if a qualified plan would be of benefit to you. Learn how to take advantage of the entire tax code with a hybrid plan or stacked plans which will maximize your benefit.

A qualified plan was a huge benefit for a client who was paying an effective 50% tax rate. We were able to shelter $318,000 in a 401k/Cash Balance that they get to defer taxes on.

We also design non-qualified deferred compensation plans that can benefit you as a business owner, a director, or a key person.

Qualified and non-qualified plans are also available to individuals.

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Retirement Income Planning

One of the most valuable planning someone can do is taking the time to understand the proper time and how to file for Social Security income benefits. Learn how to integrate your personal retirement plan with the rest of your retirement benefits.

We have very powerful calculators that can project what your retirement will look like. We can also answer the four toughest financial questions:

  1. What rate of return do you have to earn on your savings and investment dollars to be able to retire at your current standard of living and have your money last through your life expectancy?
  2. How much do you need to save on a monthly or annual basis to be able to retire at your current standard of living and your money last till life expectancy?
  3. Doing what you are currently doing, how long will you have to work to be able to retire and live your current lifestyle till life expectancy?
  4. If you don’t do anything different than you are doing today, how much will you have to reduce your standard of living at retirement for your money to last to your life expectancy?

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Family Legacy Planning

Understand the value of different types of trusts and which type would benefit you most. This type of planning also includes how to efficiently transfer your estate to the next generation or charitable organization. All of the IRS’ tax credits are “use it or lose it” propositions. There is no reason to leave money on the table when it comes to saving taxes.

We did some holistic family legacy planning work for a dairy owner family in California. We worked with their CPA and attorney to plan how most efficiently to pass on the dairy and family estate with the smallest tax bite. Then we implemented an insured product that pays out a lump sum to cover the estate taxes at the death of the second spouse. This will ensure the client maximizes their estate for their kids.

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Personal Insurance

Explore how to get the most effective benefits while minimizing your cost and risk. We have a wide range of ancillary stand alone insurance products available from many insurance companies that we can compare side by side. Some of these products include Long Term Care, Disability Income, Medicare Supplement, Health, Critical Illness, and Term Life.

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Permanent Life Insurance

Do you know the power of multiplying dollars tax free under section 7702 of the IRS code? The IRS has set limits on how much money can be placed in a life insurance policy. The fact that the federal government cares how much money we put in permanent life insurance policies tells us that it must be a very tax advantaged financial vehicle. We design and build our client’s policies to be right at the IRS limit for maximum efficiency and we call this a cash infused life insurance contract. Learn how cash infused life insurance can outperform any safe money portfolio. This benefit can be tailored to fit individuals, key persons, directors, as well as partners and business owners.

We have many clients who have implemented permanent life insurance. The story I want to share with you is my story though. The first time I used the cash value in my life insurance policy was when I bought my first car at 14 years old. I purchased a 1993 Chevrolet Corvette with my brother. I told him I would help buy it if he would drive me to school in it. Each time I have made a purchase with my policy cash value as collateral, I have paid it back and my policy has continued to compound for years. I still use that policy to purchase my vehicles and to make investments today.

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