Cash and
Liquidity Management
Cash flow is the oxygen of your financial life.
Active cash management and credit facilities support stable and healthy cash flow management. We construct a proprietary cash flow bridge to help you improve your financial capabilities. We help you maintain control over your cash flow and manage cash and liquidity to meet your financial obligations as they come due.
IT’S JUST PART OF WHAT WE DO.
Fiduciary Wealth Management
Scottsdale | Phoenix
Scottsdale | Phoenix
CONSIDER EVERYTHING
Cash and
Liquidity Management
Liquidity Management
Cash flow is the oxygen of your financial life.
Active cash management and credit facilities support stable and healthy cash flow management. We construct a proprietary cash flow bridge to help you improve your financial capabilities. We help you maintain control over your cash flow and manage cash and liquidity to meet your financial obligations as they come due.
IT’S JUST PART OF WHAT WE DO.
Fiduciary Wealth Management
Scottsdale | Phoenix
Scottsdale | Phoenix
Wealth management
designed to maximize your life.
Forecast, position and manage your cash.
We help you improve your financial efficiency.
Cash and Liquidity Management | How we create value for you.
Cash and
Liquidity Management
How we create value for you.
We help you improve your financial efficiency.
Proprietary Cash
Flow Bridge
We create a proprietary cash flow bridge to help forecast your sources, uses and amounts of after-tax cash available. We estimate the number of years you could live on cash or cash-like assets outside your retirement plan assets. Knowing the duration of your cash flow bridge can help you maintain enough cash and liquidity to enhance your ability to compound your long-term investment returns.
Bank
Connectivity
We provide you with seamless unified connectivity to multiple FDIC Insured Banks. We help you eliminate multiple bank accounts with multiple deposits, withdrawals, wire transfers, statements and reports. We help you streamline your bank account management onto one unified platform that delivers comprehensive capabilities to provide next-day transfer availability across all bank accounts.
Cash
Visibility
We help you overcome limited cash visibility by providing an up-to-date “single pane of glass” to monitor and aggregate your cash and cash equivalent holdings across all your accounts. We help create 100% visibility to your consolidated cash and liquidity in your checking, savings, business, investment, retirement and trust accounts.
Cash
Positioning
We help you optimize how to best position your cash and cash equivalent securities across your taxable, tax-deferred, tax-free, personal and business accounts. We help you avoid the traps of regulatory restrictions and gates and associated expenses that prevent you from easily accessing your cash and liquid assets at a low cost to meet your short-term cash needs.
Optimized
Liquidity
We help you integrate your cash positions across all your accounts with your short-term collateralized and uncollateralized credit facilities. We help you predict and meet your liquidity needs weeks, months, and years in the future. Integrating your cash positions with credit facilities provides you with the greatest opportunities to meet your short-term cash needs at lower effective costs.
Improved Yield
on Excess Cash
We help you move and position your cash balances across money market funds, U.S. Treasury securities and FDIC Insured Banks. We help improve the yields you earn on your excess cash positions. We help you better exploit and arbitrage the differences in rates across these money markets while helping to effectively minimize the attendant administrative burdens and costs to you.
Individual U.S. Treasury
Security Portfolio
We build custom portfolios of U.S. Treasury securities with maturities targeted to match and meet the maturities of your larger specific short-term liabilities. A portfolio of liquid U.S. Treasury securities bulleted to meet your known liability dates can help you “lock-in” effective yields-to-maturity, reduce the risk of exposure to declining short-term interest rates.
Multi-Bank FDIC
Insured Portfolio
We provide you with single pane of glass integration and connectivity to multiple FDIC Insured Banks while eliminating the hassle of opening and managing multiple bank relationships. From one dashboard, we can provide a two-person households with two individual accounts and one joint account with up to $20 million in FDIC insurance coverage.
It's just part of what we do.
CONSIDER EVERYTHING
Wealth Planning, Advice and Counsel
01
Planning and managing personal wealth can be a complex business endeavor requiring dedicated resources, specialized tools, and professionals with both depth and breadth of field. We serve as a dedicated advisor to help meet our clients’ wealth management needs in deeper, more focused and more helpful relationships. We are prepared to be your first call.
It's just part of what we do.
CONSIDER EVERYTHING
Client Advisor Team Development
02
No one feels fully prepared when stepping into the endeavor of becoming the CEO of their wealth for the first time. It is a workspace of multiple disciplines in multiple dimensions. We are C-Suite professionals purpose-focused to help you gain the benefits from working with a professional inter-disciplinary wealth management team. We are educated, trained and experienced for this work.
It's just part of what we do.
CONSIDER EVERYTHING
Investment Management
03
If you don't get this right, nothing else matters. Precious few plans will succeed without saving and long-term, after-tax compounding of your investment returns. We help position your investments and accounts to benefit from after-tax, risk-managed, long-term wealth compounding. We tailor and manage separate accounts of individual securities diversified for each client.
It's just part of what we do.
CONSIDER EVERYTHING
Tax Planning and Strategy
04
The number of tax regimes we are all faced with is mind-boggling. We help address the computational complexity of multiple layers of taxation. We help you consider how to best structure the investments you make and your exit strategy before you commit capital. We help you improve your asset location strategies to minimize your tax costs and improve your overall tax efficiency and effectiveness.
It's just part of what we do.
CONSIDER EVERYTHING
Exit and Retirement Planning
05
Whether you’re preparing to sell or transfer your ownership in your largest asset – your privately held business, or you’re preparing for retirement from your career, we help you develop your vision for what’s next. We help you maximize value to you, minimize your taxes in transition and retirement and plan and schedule the cash flow you’ll need. We help you paint the picture and curate your plan.
It's just part of what we do.
CONSIDER EVERYTHING
Risk Survey and Insurance Planning
06
Risk and insurance touches every aspect of personal and business life. Risks to your life, health, property, livelihood and ability to work, profession, personal data . . . life is full of risks. Insurance helps keep you whole when bad things occasionally happen. We don’t sell insurance. We help develop, organize and manage your risk matrix and protection strategies.
It's just part of what we do.
CONSIDER EVERYTHING
Budget and Saving Management
07
You will either need to save from the money you earn, the money you inherit, or possibly both, and invest to replace your earned income. Some of us will be fortunate enough to inherit, but most of us will need to save from the money we earn and invest it for the day when we wish to stop working or are no longer able to work. We help you track and manage your expenses and achieve your saving goals.
It's just part of what we do.
CONSIDER EVERYTHING
Cash and Liquidity Management
08
Active cash management and credit facilities support stable and healthy cash flow management. We help you maintain control over lumpy or mismatched timing of cash flows, unexpected cash flow reductions or losses, or the headwinds of unexpected or increased expenditures. We help you manage cash and liquidity to meet your financial obligations and improve your financial efficiency.
It's just part of what we do.
CONSIDER EVERYTHING
Trust and Estate Planning
09
Planning for the protection of you and your family in all phases of your life and the successful transfer of your estate helps contribute to the legacy of your life’s work. Without a plan, you expose you and your family to unnecessary risks and forfeit protections and opportunities for more desirable outcomes. We help you express and protect your wishes and protect you and your family from less desirable outcomes.
It's just part of what we do.
CONSIDER EVERYTHING
Philanthropic and Legacy Planning
10
Philanthropic and legacy planning helps enable you to expand your estate planning effort with a mosaic of values, meaning, guidance, purpose and responsibility for your posterity and matters that are of lasting importance to you. We help you plan and express your philanthropic intent while minimizing administrative complexity. We help you manage your philanthropic investments and commitments.
It's just part of what we do.
CONSIDER EVERYTHING
Wealth Planning,
Advice and Counsel
01
Planning and managing personal wealth can be a complex business endeavor requiring dedicated resources, specialized tools, and professionals with both depth and breadth of field. We serve as a dedicated advisor to help meet our clients’ wealth management needs in deeper, more focused and more helpful relationships. We are prepared to be your first call.
Client Advisor
Team Development
02
No one feels fully prepared when stepping into the endeavor of becoming the CEO of their wealth for the first time. It is a workspace of multiple disciplines in multiple dimensions. We are C-Suite professionals purpose-focused to help you gain the benefits from working with a professional inter-disciplinary wealth management team. We are educated, trained and experienced for this work.
Investment
Management
03
If you don't get this right, nothing else matters. Precious few plans will succeed without saving and long-term, after-tax compounding of your investment returns. We help position your investments and accounts to benefit from after-tax, risk-managed, long-term wealth compounding. We tailor and manage separate accounts of individual securities diversified for each client.
Tax Planning
and Strategy
04
The number of tax regimes we are all faced with is mind-boggling. We help address the computational complexity of multiple layers of taxation. We help you consider how to best structure the investments you make and your exit strategy before you commit capital. We help you improve your asset location strategies to minimize your tax costs and improve your overall tax efficiency and effectiveness.
Exit and
Retirement Planning
05
Whether you’re preparing to sell or transfer your ownership in your largest asset – your privately held business, or you’re preparing for retirement from your career, we help you develop your vision for what’s next. We help you maximize value to you, minimize your taxes in transition and retirement and plan and schedule the cash flow you’ll need. We help you paint the picture and curate your plan.
Risk Survey and
Insurance Planning
06
Risk and insurance touches every aspect of personal and business life. Risks to your life, health, property, livelihood and ability to work, profession, personal data . . . life is full of risks. Insurance helps keep you whole when bad things occasionally happen. We don’t sell insurance. We help develop, organize and manage your risk matrix and protection strategies.
Budget and Saving
Management
07
You will either need to save from the money you earn, the money you inherit, or possibly both, and invest to replace your earned income. Some of us will be fortunate enough to inherit, but most of us will need to save from the money we earn and invest it for the day when we wish to stop working or are no longer able to work. We help you track and manage your expenses and achieve your saving goals.
Cash and Liquidity
Management
08
Active cash management and credit facilities support stable and healthy cash flow management. We help you maintain control over lumpy or mismatched timing of cash flows, unexpected cash flow reductions or losses, or the headwinds of unexpected or increased expenditures. We help you manage cash and liquidity to meet your financial obligations and improve your financial efficiency.
Trust and Estate
Planning
09
Planning for the protection of you and your family in all phases of your life and the successful transfer of your estate helps contribute to the legacy of your life’s work. Without a plan, you expose you and your family to unnecessary risks and forfeit protections and opportunities for more desirable outcomes. We help you express and protect your wishes and protect you and your family from less desirable outcomes.
Philanthropic and
Legacy Planning
10
Philanthropic and legacy planning helps enable you to expand your estate planning effort with a mosaic of values, meaning, guidance, purpose and responsibility for your posterity and matters that are of lasting importance to you. We help you plan and express your philanthropic intent while minimizing administrative complexity. We help you manage your philanthropic investments and commitments.
It's just part of what we do.
INTER-DISCIPLINARY TEAM
How We Do It
We position you as the CEO for your capital.
It’s your capital, so we position you as the highest-ranking member of your wealth management team, responsible for setting the agenda and delegating responsibilities to C-Suite professionals.
The best CEOs recruit and hire proven, accomplished C-Suite professionals.
Our C-Suite professionals join your team.
We are professionals whose titles begin with C, meaning the “chiefs” who get things done.
This is the group of people with the most important roles to help you as CEO.
We have decades of deep experience advising wealthy families with complex financial needs.
Together, we focus on your desired results.
We help you get your capital working intelligently for you.
