Wealth Design Services customizes its services around the needs of each
client to provide a holistic solution.
We will help you understand and make decisions about risk.
Combining our experience with the extensive use of statistical simulations,
we can help you make confident decisions about your financial portfolio. We take
into careful consideration the amount you can afford to spend, the amount that
is necessary to save and how contributions should be allocated among investment
asset types.
We can help think through insurance needs – health, disability, long-term
care, life, home and personal liability – and how insurance coordinates with
other planning that is taking place.
We are experienced in the administration of trusts, family limited
partnerships and other entities that are designed to manage risk exposures.
When we help you in these ways, you can feel confident that we are receiving
no compensation from anyone other than you!
Accumulation planning is a process.
We begin with an analysis of your current financial situation and your
existing investment portfolio. Then we can identify your priorities and
investment goals. We will project your cash flows over relevant time horizons
and test the suitability of your resources using "Monte Carlo"
statistical analysis to help you choose between alternatives. During this
process we will document your final decisions in a personal investment policy
statement.
- If you are a "do it yourselfer", you will have an important tool
to help you with future investment choices.
- If you need help with implementation, we would be delighted to continue
the
process with you.
Working from your investment policy statement we will consider coordinated
investment solutions including the highly regarded DFA Funds and the innovative
"life/wealth" and "tax managed" offerings of SEI Trust
Company. After implementation, we then begin monitoring your financial
plan.
Capabilities
- Checking your asset allocation to ensure that it is consistent with
your investment policy
- Servicing your investment accounts
- Responding to your tax and financial planning questions
- Tax managed investment strategies
- Personal investment policy statements
- Investment selection, performance monitoring and rebalancing
- Financial independence/retirement planning
- Personal financial goal assessment
- Education planning
Debt is an important resource. It permits the purchase of our homes, the
funding of our college educations and the creation of businesses. It solves the
problem of spreading the burden of large purchases over a period of time. It can
even solve some tax problems.
Debt management involves borrowing in tax efficient ways, understanding the
implications of debt repayment and choosing the right form of borrowing. For
example, we are often asked whether it makes more sense to lease or buy a car.
Or, is it better to sell stock or borrow to make a major purchase?
We can help you evaluate loan options and help you understand the
appropriateness of borrowing given your financial resources, spending capacity
and tax situation.
Capabilities
- Cash flow analysis and planning
- Tax efficiency of debt
We are "values based" estate planners. This means that our
financial planning and estate planning recommendations will be grounded in the
discovery of what matters most to you. After all, helping you to
"accomplish what matters" is at the core of our work.
An important part of our work is to help our clients understand their
financial capacity. We understand that significant decisions are not possible
unless it is crystal clear that your financial independence is not compromised
by planning ideas.
We have helped many clients express themselves through the creation of
charitable trusts, family foundations or designated gifts to public foundations
and institutions.
You may find Legacy Planning to be the most exciting aspect of our work
because our goal is to empower you to achieve a few more dreams!
Capabilities
- Charitable gift strategies
- Estate and gift planning
- Charitable trusts and private foundation compliance
- Income tax returns for special entities including family limited
partnerships
As CPAs, we are keenly aware of the wealth erosion caused by income and
estate taxes. When you work with Wealth Design Services, you will be adding
highly experienced tax professionals to your Wealth Management team.
Capabilities
- Income tax returns for individuals, trusts and estates
- Income tax planning
- Investment risk assessment
- Deferred compensation planning
- Catastrophic loss planning
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