Exit and
Retirement Planning
You need to be the author.
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 your value, minimize your taxes and plan and schedule the cash flow you’ll need.
IT’S JUST PART OF WHAT WE DO.
Fiduciary Wealth Management
Scottsdale | Phoenix
Scottsdale | Phoenix
CONSIDER EVERYTHING
Exit and
Retirement Planning
Retirement Planning
You need to be the author.
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 your value, minimize your taxes and plan and schedule the cash flow you’ll need.
IT’S JUST PART OF WHAT WE DO.
Fiduciary Wealth Management
Scottsdale | Phoenix
Scottsdale | Phoenix
Wealth management
designed to maximize your life.
Visualize, chart and advance your future.
We help you paint the picture and curate the plan.
Exit and Retirement Planning | How we create value for you.
Exit and
Retirement Planning
How we create value for you.
We help you paint the picture
and curate the plan.
Vision and Desired
Calendar
We help you develop the vision and calendar you desire for your life after you stop working for money, chart the plan to help get you there and the liberty to complete the transition. We help free you from the financial mechanics of retirement planning to enable you to focus on the freedom to set the agenda, content and cadence of this hard-earned moment in time.
Retirement Asset/
Liability Study
We prepare studies to help you determine appropriate investment and retirement asset balances that will have a high degree of probability to successfully meet your future living expenses throughout retirement for you and other family members who will count on you for financial support and help. The studies help inform you of your required rates of return, risk capacity and the types of investments you’ll need to make.
Purchasing Power
Loss Exposure Study
We prepare studies that help you account for likely increases in your cost of living throughout retirement. Not everyone is exposed to the same types of expenses, and purchasing power loss attributable to inflation can be very different across family households. We help you consider adjustments to your investment and retirement accounts you may need to undertake to address the purchasing power losses that may affect you.
Income Stability
Study
Replacement of earned income is the key issue in retirement planning and the stability of your income sources in retirement helps you sleep well at night. We prepare studies that help you see the balance between stable and variable sources of your retirement income to help you target the associated positive and negative impacts to the forecasts of your future investment and retirement account balances.
Retirement Income
Shortfall Analysis
We prepare studies of various investment strategies you can undertake to help successfully fund your future expenses throughout retirement and enable you to see the probabilities of success of the various strategies. We prepare these studies to help account for an unknowable future in which hundreds of different economic and market return scenarios may unfold and adversely affect your standard of living in retirement.
Critical Path
Study
We prepare forecast studies of ranges of possible future financial outcomes based upon your investment and retirement account balances and various levels of spending by you to help you see and appreciate the sensitivities your investment returns and your levels of spending have on the sustainability of your retirement plan. We help identify the worst possibilities of the critical paths of running out of money and help you adjust.
Distribution and Tax
Optimization Study
We review how you manage your wealth to help you avoid the errors, penalties, excise taxes and even disqualification and loss of status that may occur from unintentionally and inadvertently engaging in improper personal, qualified plan and private trust financial transactions that are prohibited in the U.S. Tax Code.
Long-Term Care Cost
Coverage Analysis
We review your wishes for the type of long-term care you desire when you begin to become unable to complete basic activities of daily living and review the costs of the type of long-term care you desire and your options to fund those expenses. We incorporate these costs into your asset/liability and retirement planning studies we complete for you.
Social Security/Medicare
Gap Analysis
We help you optimize your claiming strategy for your Social Security and pension benefits, and review and help you optimize your health care insurance coverage options available from your private insurance, employer, military service record, Medicare and Medicare supplement insurance. We incorporate these benefits and costs into your asset/liability and retirement planning studies we complete for you.
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.
