• Family Financial Discussions
• Personal Wealth Education
• Goal and Objective Setting
• Investment Planning
• Exit and Retirement Planning
• Special Needs Planning
• Incapacity Planning
• Trust, Estate and Legacy Planning
• Charitable Planning and Giving

We combine intellectual capital with critical thinking and detailed analyses across the 10 allied disciplines of wealth management to create whole-system thinking and integrated strategies that address your needs.

This is complex work with a multitude of variables that can produce opposite results. It’s a workspace in multiple dimensions. We are educated, trained and experienced for this work.

We manage the support systems and processes across
39 tailored personal wealth management workflows.

• Proprietary Cash Flow Bridge
• Bank Connectivity
• Cash Visibility
• Cash Positioning
• Optimized Liquidity
• Improved Yield on Excess Cash
• Individual U.S. Treasury Security Portfolio
• Multi-Bank FDIC Insured Portfolio

Cash management is a key component of liquidity management. It includes the efficient management of your cash flow, investments, and cash reserves in order to achieve your overall financial objectives.

As inflation remains high and interest rates rise, we help you deploy your cash flow and cash positions to earn higher interest rates.

Liquidity and cash management also involves managing the risk of short-term financing and making sure cash is available when needed.

We help you understand your current level of risk exposures and help identify personalized solutions that seek to help protect the risk-exposed areas of your financial life.

We review how your assets are titled to maximize your protection in the event of a lawsuit or other claims.

We help coordinate your business and personal insurance with your employer-provided benefits to avoid any gaps or overlaps in coverage and help integrate your insurance policies with your estate plan.

• Risk Identification
• Risk Assessment
• Risk Quantification
• Risk Treatment
• Insurance Coverage Requirements
• Policy Review
• Coverage Gap Analysis
• Policy Coordination

• Transaction Character Analysis
• Asset Title Analysis
• Transaction Timing Analysis
• Inter-Generational Time-Horizon Tax Analysis
• Tax Jurisdiction Analysis
• Scenario Tax Forecasts
• Prohibited Transaction Analysis
• Tax Compliance

Tax-planning and strategy may offer opportunities to minimize and optimize your tax expenses. The time for tax planning and strategy development occurs at the beginning, not at the completion of an investment or tax year.

We provide guidance focused to your unique situation and help you exercise care to engage in tax planning that is flexible enough to help you respond to changing market conditions, tax law changes and unexpected outcomes.

We collaborate with your tax professionals to help structure your investment operations to become more tax efficient.

What makes plans work is capital growth. The playing field is arrayed with no shortage of obstacles that conspire to impair capital growth.

Whatever or whoever the conspirators are, capital growth is paramount. Forces outside and within your control must be well-managed.

We tailor and manage your investment operations to help reduce unforced errors and mistakes and compound your long-term, after-tax returns.

• Risk Willingness and Capacity Studies
• Written Investment Guidelines
• Diversification Intelligence Analysis
• Discounted Cash Flow Analysis
• Covered Dividend Analysis
• Individual Security Portfolios
• Tax-Sensitive Portfolio Management
• Performance Reporting Analysis
• Investment Behavior Coaching

• Vision and Desired Calendar
• Retirement Asset/Liability Study
• Purchasing Power Loss Exposure Study
• Income Stability Study
• Retirement Income Shortfall Analysis
• Critical Path Study
• Distribution and Tax Optimization Study
• Long-Term Care Cost Coverage Analysis
• Social Security/Medicare Gap Analysis

We prepare informative studies that help you see if your assets and investment strategies are on track to successfully support your dreams and desires and sustain you without an earned income for as many as 30 to 40 years in retirement.

As you approach retirement, we help you see beyond this hard-earned moment in time, spot hidden risks, map a path and contribute our experience and resources to help you reach your goals.

• Family History and Aspirational Planning
• Strategic Visioning and Family Compass
• Family Wealth Discussions
• Family Governance Needs and Planning
• Asset Protection Needs and Planning
• Special Needs Planning
• Entity, Structure and Alignment Planning
• Team Leadership
• Stakeholder Communication and Education

We help you recognize that planning for the retention and transfer of your wealth is far more than numbers on a balance sheet and minimizing estate transfer taxes.

Your wealth also comprises your family and its health, education, life’s experiences, knowledge, relationships, mental and physical fitness, values and spirituality.

We help you express the conscience and wishes for what you have and leave behind and the constitution of privileges and responsibilities to guide all concerned.

• Philanthropic Discussions
• Family Financial Philosophy Blueprint
• Strategies and Planning for Lifetime Giving
• Strategies and Planning for Legacy Giving
• Tax Optimization and Structural Design
• Donor-Advised Funds and Family Foundations
• Family Charitable Trusts and Annuities
• Philanthropic Investment Management

We help you explore the motivations and develop and articulate the benefits, framework, discipline and communication of contributions you wish to make to communities that extend beyond your family.

We help you discover, establish and affirm the values, beliefs, attitudes, preferences and priorities for your contributions to your chosen communities. Then we help you with the ongoing management and administration of your philanthropic assets and endeavors.