Asset Management

You and your family work hard to accumulate assets over a lifetime. The goal is that, when the time comes for you to leverage those assets, they’ll be there for you to benefit from. Asset Management service is all about helping you achieve your goals using a prudent and conscientious approach.

Why Asset Management is Important

Individuals and families depend on the assets they accumulate over the years, being able to sustain them later in life – in retirement or in the event of an unforeseen need. However, not everyone has the time to monitor and manage those assets. And even if you do have the time, you may not have the desire or patience to do so. Not managing your assets diligently over your accumulation phase, you could leave them exposed to erosion, destruction or depletion. The result: You might not have those assets (or a significant portion of them) in times of need.

What We Can Do for You

Our Asset Management service covers:

  • Determining your objectives: Not everyone has the same, or similar, financial objectives as they embark upon accumulating their wealth. To manage your assets prudently, we first need to understand what your goals are for initially accumulating and subsequently using those assets
  • Helping you choose your optimal asset mix: There are literally hundreds of asset-types that you can invest in, and as many ways to do so! Depending on your goals for asset use, we’ll help you choose the right asset mix that will most efficiently/effectively accomplish those goals
  • Assisting you create a strategic asset allocation plan (SAAP) and tactical asset allocation plan (TAAP): Successful investing is all about successful planning. We’ll help create both long-term (strategic) and short-term (tactical) asset allocation and management plans in line with the recommended asset mix
  • Building your portfolio: Today, thanks to DIY-investing, anyone can create a discount brokerage account and start buying assets and including them into a portfolio. However, that’s not the most efficient or effective way to create log-term wealth. Using the allocation mix agreed upon, we’ll build a results-focused portfolio of individual investments (Stocks, Bonds, Mutual Funds, ETFs, Alternate investments) that will help get you to your financial objectives
  • Managing and monitoring the portfolio: Unless you have the time and patience to dedicate to portfolio management, it can’t be done effectively. We know you have other things to do – such as living your life, so we’ll watch over the portfolio for you, making sure it never strays from delivering the objectives you desire
  • Measuring performance: We track the performance of your assets under our care, and constantly measure how they are performing against industry recognized benchmarks
  • Managing risk: Our Asset Management strategy includes appropriate risk mitigation as part of this service. Where there are new risks to the portfolio, we’ll consult with you and propose timely and appropriate actions to manage and mitigate them
  • Reviewing, reporting, recommending changes and revisions to the strategy: Our Asset Management service is based on constant and open communication and collaboration with our clients. Through regularly scheduled reporting and conversations, we ensure that your asset management plans are continually reviewed, revised and updated to meet your changing circumstances

Financial and Retirement Planning

Achieving your dreams and living the life you've always wanted is within reach with a well-crafted financial plan. Whether it's the joy of owning your own home, the satisfaction of funding your children's education, or the peace of mind of a stress-free retirement, we understand that each of our clients have unique goals. We go beyond just saving, budgeting, and investing, to truly understand your financial background and identify your core values. Together, we'll create a personalized plan that guides you towards the life you want to live.

CLARITY 180 Financial Planning Program 

Maximize the potential of your finances with our Clarity 180 Financial Planning program. Over the course of three months, we will partner with you to gain a deep understanding of your financial background and personal values. Together, we will provide recommendations, set clear goals, and develop a comprehensive plan to achieve them. With monthly meetings, we will provide ongoing support and expert recommendations to give you the vision and perspective you need to take control of your financial future. 

The Clarity 180 program focuses on key tactical areas that include:

  • Financial and Retirement Plan - Our team will conduct a thorough assessment of your current financial situation and help you create a personalized plan to reach your desired future. We will work together to identify any gaps and provide recommendations to put you on the path to success.
  • Budget and Saving Assessment - We will evaluate budget and savings, provide recommendations for optimized cash flow and increased savings, and identify cost-cutting measures.
  • Investment Analysis - Our team will assess your investment risk profile and compare it to your personal risk tolerance. We'll provide recommendations to align your investments with your goals and risk preferences.
  • Estate Plan - We will conduct an audit of your current estate structure and provide expert recommendations on the best plan for you, maximizing the value and security of your assets for you and your loved ones.
  • Insurance Analysis - Our team will conduct a comprehensive review of your insurance plans, including health, property, life, auto, long-term care, and home insurance. We'll provide recommendations to ensure that you have the optimal protection for you and your money. 
  • Tax Strategy - We will conduct an in-depth analysis of your current tax situation and provide strategies to ensure your income is taxed more efficiently. We'll help you identify ways to minimize your taxes, maximizing your savings and financial stability.

At the completion of the Clarity 180 program, you graduate! As a graduate, you will have the tools and knowledge to take control of your financial future. But our relationship doesn't have to end here. You have the option to continue our partnership at a discounted flat rate, ensuring that you have the support and guidance you need to maintain your financial success and most importantly keep yourself accountable.

Invest in yourself and your financial well-being, start the Clarity 180 program today!

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CLARITY 360 On-Going Service Plan

Experience the full impact of the Clarity 180 program as the benefits of our foundational work continue to compound over time. Our deep understanding of you and your finances allows us to be your guide, as we navigate the complexities of financial decision-making and opportunities that life throws your way. As we get to know you and your financial situation, our ability to help you achieve your goals increases. 

Your financial well-being is not just about numbers on a page. It’s about using the tools at your disposal to achieve your life goals. Our on-going service is anchored by an in-depth annual meeting. This is your opportunity to take stock of your progress towards the life you envision, share updates on what's happening in your life and make assessments. We will use this time to gain a deeper understanding of your needs, in order to support and protect you as you navigate life's financial choices. 

Our commitment to you goes beyond our annual meeting, we also host bi-annual check-ins via Zoom, keeping you up-to-date with our newsletter and providing guidance as needed. We understand that life doesn't always follow a set schedule, which is why we are always here for you, ready to provide support and expert advice whenever you need it. Trust in our team to be your partner in navigating the ever-changing landscape of your financial journey.

Are you ready to take control of your financial future? Schedule a consultation with our expert team to learn more about our Clarity Planning programs and how we can help you achieve your goals. Don't wait, take the first step towards financial success today. 

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Tax Planning

It’s said that only two things are certain in life: Death…and Taxes! And while there’s not much you can do to avoid the former, with prudent planning and foresight, there’s a lot you can do to minimize the latter. However, similar to planning that goes into living a happy and fruitful life, a well-planned tax strategy can yield great benefits – but only if it’s done professionally, and earlier on during your wealth accumulation cycle.

Our Tax Planning philosophy is not centered around tax avoidance, but rather on helping you structure your finances so you and your family aren’t overburdened by an undue tax liability.

Why Tax Planning is Important

Consider this fact: If you managed to shave-off just $250 from your tax bill each year, through prudent Tax Planning, and invested it at a 5% rate of return annually, you could have a tidy sum of over $15,250 waiting for you by the time you retire in 30 years!

Delayed tax planning is tantamount to leaving potentially savable dollars, of your hard-earned money, on the tax table for others to benefit from. The longer you defer tax planning, the more money you’ll end up owing and paying in taxes. That money could potentially have been saved, through a reduced tax bill, invested and grown, through the magic of compounding, over many years.

What We Can Do for You

We help our clients through long-term Tax Planning strategies – and that’s exactly how we’ll help you. Tax planning does not commence on the date of filing your tax returns. Prudent tax planning often starts long before – sometimes even before you make investment decisions that trigger a tax liability. We can help devise tax planning strategies that minimize taxes, maximize tax refunds and guide you to optimize your tax-friendly investment returns.

Here’s what we can do for you through our Tax Planning service:

  • While the best advice you can get is: Save. Save. Save…as much as you can. The next best advice is: Be careful how you invest those savings. Our Tax Planning advice will include considerations on whether you should invest with pre-tax dollars, or post-tax income. How you invest, and in what types of vehicles, can make a significant difference to the taxes you pay. Our Tax specialists can help you navigate through the various advantages and disadvantages of choosing one strategy over another
  • When planning for tax impact on your income, we’ll also plan for the types of income that you might receive: Dividends, Interest, Annuity payments, Capital Gains, Inheritances, Employer or Government benefits. While all of these are potential income streams in retirement and before, each has different tax planning implications
  • Our tax specialists will help you foresee impacts to your future net wealth. If left unplanned, your net wealth could be diminished due to likely claw-backs to benefits, and the possibility of erosion to your estate through substantial taxes
  • We’ll help you mitigate possible tax impacts when it comes to your estate. A good tax plan will ensure that future generations do not bear the burden of taxes as a result of the legacy you leave them. But to ensure a tax-advantage inheritance to your beneficiaries, you need to put appropriate plans in place NOW – and that’s where our Tax Planning specialists can help

Retirement Plans for Businesses

We understand that implementing and administering a retirement plan for your business can be a daunting task. That's why we're here to make it easy for you. Our team of experts will work closely with you to design a plan that meets the unique needs of your business and your employees. We'll take care of all the details, from plan setup and enrollment to ongoing support and education.

Our team specializes in designing, implementing and managing retirement plans for businesses of all sizes. Whether you're starting a new plan, managing a large one or looking to improve an existing plan, we can help. We'll work closely with you to design a plan that meets the unique needs of your business and employees, and take care of all the details. Our team's expertise and experience ensure that your plan runs smoothly and efficiently. 

Some of the types of plans we can help you with include:

  • 401(k) Plans
  • Safe-Harbor 401(k) Plans
  • 401(k) Profit Sharing Plans
  • Age-Weighted/Comparability Profit Sharing Plans
  • Defined Benefit Pensions
  • Owner Only/One-Person 401(k) Plans
  • Profit Sharing Plans
  • Simplified Employee Pensions (SEPs)
  • Third-Party Administration (TPA) Partnership

With our assistance, you can rest easy knowing that your retirement plan is in good hands. We'll keep you informed every step of the way and answer any questions you may have. Plus, our online tools and resources make it easy for you and your employees to manage your plan and stay on track for retirement.

So why wait? Give your employees the security and peace of mind that comes with a solid retirement plan for your business, and let us help you make it happen. Contact us today to learn more.