High Net Worth

As your wealth grows, so too does the amount of taxes you may have to pay. With a strong Personal Plan, we can identify specific personal planning strategies that minimize the amount of income tax you are paying, and create investment efficiencies.

We do a complete review of tax, financial, and insurance strategies appropriate to you. And, by connecting the Personal Plan to your Financial Plan, we can make the right adjustments based on various changes to your life — including family circumstances, composition of your assets, or major life events.

In keeping with our promise to be well-advised and offer a complete solution, we also partner with legal and accounting advisors to implement and monitor your plan.

Having the right plan in place also includes being well-protected against whatever may come down the road. With our Risk Management plan, we review your current and future insurance needs to determine if you have sufficient coverage to meet you and your family's lifestyle objectives.

We'll review several important considerations:

• Income replacement needs in the event of your death, disability, or critical illness
• Estate liquidity needs in the event of your death
• Estate preservation needs in the event of your death

Death, disability, or critical illness can significantly impact your family's ability to maintain the quality of life you desire. Insurance can not only help mitigate this risk, but can also provide viable solutions to other wealth planning issues. 

We review both the type of coverage best suited for you, but also the amount that ensures you are well protected. 

Complex financial situations require sophisticated solutions. But no matter what the situation, our goal remains to create an Estate Plan that will carry out your wishes, and ensure your loved ones receive the most of the assets you have left behind.

Your Estate Plan covers several important areas of consideration:

• What are your current circumstances and future intentions?
• Preparing a Will that expresses your wishes for your estate
• Planning for the most efficient distribution of your assets
• Making appropriate beneficiary designations
• Addressing the possibility of incapacity and ensuring all documents are in place

As a business owner, you have added complexities of managing your business and your personal wealth. For clients that are also business owners, we prepare a Business Plan to ensure we are helping you manage your business affairs and helping you meet your objectives in a tax-efficient manner.

This process includes:

• Understanding your specific personal and business circumstances, how they are intertwined, and your future objectives
• Examining your existing corporate structure and tax accounts
• Assessing relevant tax laws and legal principals
• Prioritizing planning opportunities and options