Wealth & Estate Planning

Wealth Planning entails both Financial & Estate Planning, by blending three processes of accumulating, protecting and distributing your wealth.

The accumulation phase, often called “Financial Planning,” includes developing and monitoring a personalized plan which looks at your various needs and goals.

  • Risk Assessments
  • Cash Flow Planning
  • Asset Allocation
  • Stocks & Bonds
  • Mutual Funds
  • Annuities
  • REITs
  • IRAs / Pensions / 401(K)
  • Retirement Planning
  • Tax Planning

Without proper protection, your hard earned savings can be quickly diminished by your disability, health care costs, long term care, litigants, creditors, and taxes. Protecting your wealth and protecting your ability to earn more income are factors that are unfortunately often overlooked. Protection may be provided through various mechanisms.

  • Titling of Assets
  • Trusts
  • Life Insurance
  • Health Insurance
  • Disability Insurance
  • Long Term Care Insurance
  • Prenuptial Agreements
  • Family Limited Partnerships

The eventual distribution of your wealth can take various forms. Through proper planning, along with the appropriate legal devises, you can distribute your property to yourself and your loved ones, while potentially avoiding estate taxes and the frustrations caused by an unorganized estate.

  • Living Trusts
  • Wills
  • Gifting
  • Power of Attorneys
  • Life Insurance Trusts
  • Children’s Trusts
  • Living Wills
  • Probate
  • Family Limited Partnerships
  • Tax Returns