Archives: FAQs

Insurance needs evolve with life changes such as marriage, children, home purchases, or retirement. Reviewing coverage at least every few years—or after major life events—helps ensure your protection strategy remains aligned with your financial plan. We work alongside clients to integrate these reviews into their ongoing financial planning process.

Insurance can influence how aggressively or conservatively you invest. For example, having adequate protection in place may give you confidence to take on more investment risk, while gaps in coverage may require a more conservative approach. We focus on integrating insurance considerations into portfolio construction so that risk management and growth strategies work together.

Depending on your stage of life and personal circumstances, insurance may include life, disability, long-term care, health, or property and liability coverage. While insurance agents provide the actual products and details, we help you think through which types of protection support your broader financial objectives and risk tolerance.

Insurance provides financial protection against risks that could otherwise derail your long-term investment strategy. It’s not just about policies—it’s about ensuring that unexpected events such as illness, disability, or death don’t compromise your ability to reach financial goals. Our role is to help clients evaluate how different coverage types align with their overall wealth plan.

Because tax laws and personal circumstances change, it’s wise to review your financial plan with tax awareness at least once a year, and whenever significant events occur—such as selling a business, receiving a large bonus, or retiring. These reviews help ensure your investment strategy remains aligned with your goals, while your tax professional ensures compliance [...]

Common areas include retirement account contributions, required minimum distributions, capital gains, and estate considerations. Each of these can impact when and how much you keep of your investment earnings. We work with clients to model how these factors may affect their broader wealth plan, leaving tax calculations and compliance to their CPA or tax professional.

Taxes can affect your net returns, making tax awareness an important part of portfolio construction. Asset location—deciding which investments are held in taxable accounts versus retirement accounts—can influence long-term growth. We help illustrate how strategies like tax-efficient investing or rebalancing might fit within your overall financial plan, while your tax advisor handles the technical rules [...]

In financial planning, tax planning refers to aligning your investment and savings strategies with awareness of how taxes may affect your overall wealth. While tax professionals provide the detailed guidance, we focus on helping clients understand how investment decisions, account types, and timing of withdrawals may influence their after-tax outcomes.

A business plan tied to personal finances should be reviewed regularly—at least annually—and whenever there are major changes such as expansion, ownership changes, or shifts in cash flow. These reviews provide an opportunity to update investment strategies, reassess retirement contributions, and ensure your personal financial plan evolves alongside your business.

Key areas include liquidity management, retirement plan structures, risk management, and succession planning. Business owners also benefit from strategies to diversify wealth outside the company to reduce concentration risk. We help analyze how these elements fit into an integrated financial strategy that supports both business stability and personal wealth growth.

Your business is often your largest asset, and decisions within it directly impact your personal wealth. Choices like reinvesting profits, paying yourself a salary, or setting up retirement plans influence your long-term financial picture. While accountants and attorneys address tax and legal requirements, our role is to show how business cash flow and investment decisions [...]

From an investment perspective, business planning is about aligning your company’s financial resources and growth objectives with long-term wealth goals. This includes cash flow strategies, reinvestment decisions, retirement planning for owners, and preparing for eventual succession or sale. We help business owners evaluate how business strategies integrate with their personal financial plans.

Managing risk is a balancing act: you need enough growth to outpace inflation, but enough stability to avoid tapping into assets during market downturns. Many use a tiered approach—liquid, low-risk assets cover near-term spending, while remaining investments support growth. Withdrawal strategies should be flexible, incorporating safe initial withdrawal rates and adjusting as needed to ensure [...]

Ideally, you begin reviewing your retirement plan well before retiring. About 5–10 years out, it's wise to reduce high-risk holdings and build a cash reserve (often 1–2 years' worth of withdrawals). This “bucket strategy”—allocating funds into short-term cash, mid-term bonds, and long-term equity—helps buffer volatility while keeping growth on track.

There’s no one-size-fits-all answer—needs vary by lifestyle, projected expenses, and length of retirement. Common approaches include aiming for 70–100% of pre-retirement income, applying the “4% rule” (dividing desired annual income by 4%), or calculating based on multipliers like saving 10× your final salary. We help tailor projections using personalized goals and account for other income [...]

Retirement planning means aligning your broader financial strategy with long-term goals—thinking about how income sources, spending needs, and investment allocations evolve once you stop working. While legal or tax professionals handle things like Social Security strategies, pensions, or account rules, we focus on crafting a sustainable investment plan designed to support your desired retirement lifestyle.

Because life is unpredictable, it’s wise to build flexibility into your financial plan. That means maintaining an emergency fund, regularly reviewing your goals, and being prepared to pivot your savings priorities—whether that's boosting liquidity, reallocating assets, or adjusting projected timelines. We help clients structure plans that adapt without derailing long-term objectives.

Some life events frequently trigger financial planning needs, such as: Experiencing a pay raise or career change Getting married or divorced Welcoming a child or growing your family Buying a home Entering retirement or facing health changes While advisors or attorneys may handle legal or tax processes, we help explore how those events impact your [...]

We help you translate emotional and financial changes into actionable investment strategies—not by handling legal or tax particulars, but by focusing on your overall financial trajectory. Whether your income rises, expenses shift, or new goals emerge, we can model how those changes impact your retirement timeline, portfolio allocation, and savings flows.

Major life events are those pivotal moments—like job promotions, marriage, divorce, starting a family, buying a home, or retirement—that often necessitate reassessment of your financial strategy. Each event may affect income, savings capacity, risk tolerance, and your investment objectives. As investment advisers, we help clients recalibrate their investment plan in response to these transitions.

These are foundational tools in estate planning: Wills guide how assets not otherwise titled or designated will be distributed. Trusts—such as revocable living trusts—can help avoid probate, offer privacy, and facilitate smoother asset transfer Fidelity Beneficiary designations (e.g., on retirement accounts) allow assets to pass directly without needing probate. As investment advisers, our focus is [...]

Nearly everyone can benefit from having a basic plan in place, regardless of asset size. If you have financial accounts, personal belongings, or dependents, estate planning helps ensure your wishes are followed and that transitions are smoother for your heirs. While you might handle legal documents with a professional, we help you think through how [...]

It’s generally smart to have periodic reviews—at least every 3 to 5 years—and also after major life events like marriage, divorce, new children, significant asset changes, or the death of a loved one. From our standpoint, these reviews are opportunities to update investment allocations, savings strategies, and projections to reflect your current financial picture.

From our perspective, estate planning is more than just legal documents—it’s about aligning your investment strategy with long‑term goals, ensuring your financial legacy is managed thoughtfully. While legal professionals handle tools like wills, trusts, and beneficiary designations, we can show how these tools might impact investment strategies, inheritance outcomes, and financial projections. Once basic documents [...]

Paying for college is one of the largest financial goals many families face. We help clients look at how education savings fits into their broader investment plan, balancing it alongside retirement, home ownership, and other priorities. Our role is to show how different savings choices may affect your long-term financial picture, without providing legal or [...]

Families often use accounts such as 529 savings plans, custodial accounts, or general investment accounts. Each option has its own features, including potential tax advantages, flexibility, and ownership rules. While attorneys or tax professionals can advise on the specific tax treatment, we help clients compare how different accounts may align with their investment goals, time [...]

The right savings target depends on your family’s unique situation, including the type of school you expect your child to attend, projected costs, and other resources you may have available. We can run projections that illustrate different savings paths and how they may impact your overall financial plan. Decisions about how much to save are [...]

Some accounts, like 529 savings plans, can be used for qualified education expenses beyond college or even transferred to another family member. If funds are not needed for education, they may be redirected or repurposed as part of your broader financial strategy. We help clients explore scenarios so they understand how unused funds may affect [...]

Post-divorce, it’s common to have a new set of financial priorities. Some clients may need to rebuild emergency savings, update investment objectives, or plan for retirement with revised income and expense assumptions. While estate, legal, and tax questions are handled by the appropriate professionals, our focus is on making sure your investment plan reflects your [...]

Yes. Divorce often requires adjustments to accounts and beneficiary designations. While attorneys and tax professionals handle the formal division of retirement assets, we help clients review how these changes may affect long-term projections. This includes reassessing contribution strategies, withdrawal timelines, and portfolio allocations to keep you on track toward your goals.

Our role is to help you understand the financial implications of the choices you may face during and after divorce. We do not provide legal or tax advice, but we can model how different scenarios—such as changes in income, savings rates, or asset transfers—may affect your ability to reach retirement and other goals. We also [...]

Divorce can significantly affect your overall financial picture, including income, expenses, assets, and retirement savings. From an investment perspective, it’s important to reassess your goals, update your budgets, and re-evaluate your portfolio strategy once household finances change. While legal and tax professionals address issues such as property division and tax filings, we focus on helping [...]

Global Advisers provides truly independent, conflict-free financial planning built on a fiduciary standard. Unlike many firms that rely on generic models or sales-driven approaches, we deliver personalized strategies tailored to your goals, risks, and values. Our planning process is structured, transparent, and designed to evolve as your life does—so your plan stays aligned with what [...]

A comprehensive financial plan should do more than just track investments. It must integrate your income, expenses, savings goals, insurance needs, debt management, and future priorities into one cohesive strategy. At Global Advisers, we design plans that provide clarity, confidence, and long-term direction—helping you make informed decisions at every stage of life.

A well-built financial plan provides structure during uncertain times. At Global Advisers, we help you prepare for inflation, market declines, and unexpected life events by stress-testing scenarios, diversifying risk, and building in flexibility. The result is a strategy that keeps you focused on long-term goals—even when the economy shifts.

The Axis Large Cap Growth strategy targets high-conviction U.S. companies driving long-term innovation and economic transformation. It combines forward-looking macro insights with bottom-up analysis to identify businesses poised to benefit from structural shifts in technology, healthcare, and infrastructure. With a focus on resilient growth, the strategy emphasizes firms that not only demonstrate strong earnings momentum [...]

Large-cap growth strategies may be suitable for investors with a higher risk tolerance seeking greater long-term growth potential. These strategies typically appeal to investors who prioritize capital appreciation over income, have longer investment horizons, and are comfortable with market volatility.

The benefits of large-cap growth strategies include substantial potential for capital appreciation driven by robust earnings and innovation. However, these strategies also carry risks such as heightened volatility, sensitivity to economic cycles, and the possibility of rapid declines if growth expectations are unmet.

A large-cap growth strategy in investing targets stocks of large, established companies projected to experience above-average growth in earnings and revenues. These strategies typically focus on firms with innovative business models, expanding market shares, and the ability to reinvest profits effectively.

The Axis Large Cap Blend strategy differs from other large-cap blend strategies through its proprietary portfolio construction approach that systematically combines rigorous fundamental analysis and quantitative screening. This method ensures balanced exposure between growth and value factors while actively managing risk to provide consistent, dependable long-term results.

Large-cap blend strategies may be appropriate for investors seeking balanced exposure to different market styles (growth and value), aiming for steady long-term returns with moderate risk. Investors looking to build core portfolio holdings, such as for retirement or long-term financial goals, often prefer large-cap blend strategies due to their stability and diversification.

The benefits of large-cap blend strategies include diversified exposure to both growth and value stocks, generally lower volatility compared to small-cap strategies, and the potential for steady long-term returns. Risks include general market volatility, slower returns relative to pure growth strategies during market rallies, and the possibility that neither the growth nor value components will [...]

A large-cap blend strategy in investing focuses on stocks of large, well-established companies that represent a mix—or blend—of growth and value characteristics. This strategy aims for balanced exposure by selecting stocks that may include both undervalued companies and those with strong growth potential.

The benefits of large-cap value strategies include potential capital appreciation, dividend income, and reduced volatility compared to growth-oriented or small-cap strategies. Risks include the possibility that undervalued stocks remain out of favor for prolonged periods, slower growth compared to more aggressive strategies, and exposure to general market downturns. Ask ChatGPT

The Axis Large Cap Value strategy differs from other large-cap value strategies by employing a disciplined fundamental research approach that prioritizes not only attractive valuations but also sustainable competitive advantages, consistent dividend yields, and rigorous risk management to deliver more stable and predictable long-term returns.

Large-cap value strategies may be appropriate for investors seeking steady growth combined with dividend income, and who prefer the stability and lower volatility typically associated with well-established companies. Investors with moderate risk tolerance, a long-term investment horizon, and goals such as retirement or wealth preservation often find large-cap value strategies attractive.

A large-cap value strategy in investing involves selecting stocks of large, well-established companies whose shares appear undervalued relative to their intrinsic value. This strategy aims to generate returns by identifying quality businesses trading below their fair market price, typically offering steady dividends and lower volatility than smaller companies.

Unlike traditional value funds that rely heavily on low P/E ratios, we go deeper—screening for positive estimate revisions, insider accumulation, and upward momentum in return on capital.

We emphasize fundamentals, not hype—focusing on revenue acceleration, cash flow improvement, and insider alignment. This avoids the speculative traps often seen in small-cap growth investing.

Axis Small Cap Growth seeks capital appreciation by investing in innovative, rapidly growing small companies with scalable business models and early signs of profitability expansion.

Our quantitative screen selects both high-growth disruptors and undervalued cash-flow generators. The blend reduces reliance on single-factor bets and delivers exposure across economic sectors and market drivers.

Axis Small Cap Blend provides diversified exposure to small companies exhibiting both growth and value traits. It is designed for investors seeking long-term appreciation with a higher tolerance for volatility.

We apply a forward-looking valuation framework that accounts for industry shifts and capital efficiency. Traditional value funds often overlook earnings momentum—our strategy incorporates both mean reversion and forward indicators.

Axis Mid Cap Value targets undervalued mid-sized companies trading below intrinsic value. We emphasize balance sheet quality and improving return on equity while avoiding classic value traps.

We differentiate by filtering for consistency in earnings growth, balance sheet strength, and institutional buying patterns. Rather than focusing on story stocks, we rely on measurable catalysts and durable margins to validate our picks.

Axis Mid Cap Growth invests in mid-sized companies with accelerating revenue, scalable business models, and positive earnings revisions. It focuses on identifying tomorrow’s large caps before they are widely recognized by the market.

Our blend strategy is designed to perform through both expansion and contraction phases. We tilt exposure based on economic conditions, shifting weights toward growth or value factors as justified by data, without fully abandoning either side.

Axis Mid Cap Blend aims to provide a balanced exposure to growth and value-oriented mid-sized companies. This approach seeks to reduce the cyclicality of pure style bets and capitalize on long-term compounding potential within the mid-cap space.

Axis Leveraged Net Long uses a rules-based rebalancing process with downside risk controls. While many leveraged strategies are opaque or overly concentrated, we maintain transparency, sector balance, and risk-budgeting to manage drawdowns more effectively.

Axis Leveraged Net Long targets amplified equity returns through tactical use of leverage while maintaining a net long market exposure. This strategy is built for investors seeking enhanced growth potential, accepting higher volatility in pursuit of outperformance.

Benchmarks are used to evaluate how a strategy is performing over time relative to a broad market reference. They’re not targets or products, and they don’t determine how your portfolio is managed.

No. While each strategy is designed with a specific objective and disciplined process, performance depends on market conditions and other factors. Strategies help create a structured approach to investing, but returns are never guaranteed.

Yes. Your portfolio manager may combine several strategies to ensure proper diversification and alignment with your objectives. You don’t choose the mix—our team makes those decisions on your behalf.

Strategies are used behind the scenes by your portfolio manager to guide asset allocation, risk management, and portfolio structure. Each one represents a disciplined investment approach applied as part of your overall investment plan.

No. Your portfolio is constructed and managed by our investment team. We use a range of strategies internally to design a portfolio that aligns with your financial goals, risk tolerance, and time horizon. You do not select or manage strategies directly.

Yes. Our advisors regularly provide insight on topics including financial planning, retirement strategy, investment management, and fiduciary standards. If you're working on a story and need a timely quote or expert perspective, email corporate@globaladvisers.com or call 800-832-8514 to be connected with the right subject-matter expert.

We welcome appropriate use of our public commentary with proper attribution. For quotes, charts, or market views published on our website or social channels, please include attribution to “Global Advisers, LLC.” For permission to republish full articles or access to high-resolution media, contact us directly.

Please reach out to our communications team at corporate@globaladvisers.com with your name, publication, deadline, and a brief description of your story. We’ll respond promptly to coordinate availability with the appropriate advisor or executive.

We don’t push products or rely on off-the-shelf models. Our approach is rooted in independence, fiduciary duty, and long-term thinking. We focus on delivering integrated solutions that combine investment management, planning, protection, and tax strategy — all customized to serve your best interest.

Yes. Every investor has a unique risk tolerance, time horizon, and set of priorities. We use a range of time-tested strategies to build solutions that match your profile — whether you’re an early-career professional, retiree, business owner, or high-net-worth family.

Our solutions are designed to align every financial decision with a clear objective. Whether you're focused on building wealth, generating income, reducing risk, or leaving a legacy, we select and apply the right strategies to create a plan that supports your specific goals — not just generic benchmarks.

No. We serve clients across the country through secure virtual meetings, digital onboarding, and cloud-based tools. Whether you're near one of our offices or across the country, you’ll receive the same high level of access, communication, and personal attention.

We are a fee-based firm. That means we’re paid directly by our clients — not by mutual fund companies, insurance providers, or third parties. Our fees are fully transparent and typically based on assets under management, fixed planning fees, or advisory retainers depending on your needs.

We use established, independent custodians such as Charles Schwab and Interactive Brokers. These firms safeguard your assets, provide full online access, and issue monthly statements. We never take custody of your money directly — it stays in your name, under your control.

Our clients range from professionals and business owners to retirees and multigenerational families. Most come to us for clarity and control — whether they’re navigating complexity, managing a life transition, or simply ready for a better financial relationship. We work with individuals who value trust, transparency, and long-term partnership.

We operate as an independent, fiduciary Registered Investment Adviser (RIA), which means we are legally obligated to act in your best interest — always. We don’t sell products, take commissions, or push proprietary investments. Our advice is objective, personalized, and grounded in strategy, not sales.

From sudden income spikes to unexpected layoffs, the tech world moves fast. We design adaptable wealth plans that prioritize emergency funding, debt management, long-term investing, and insurance—all optimized for a dynamic career.

A public offering can dramatically change your financial picture. We guide you through lockup periods, tax modeling, gifting strategies, and charitable planning to make the most of your windfall while minimizing risk and taxes.

If you're part of a startup or high-growth company, your net worth may be concentrated in illiquid equity. We provide diversification strategies, liquidity planning, and risk management to protect your financial base while retaining upside.

Tech careers often involve frequent transitions. We analyze your compensation package to help you decide whether to accelerate vesting, negotiate a better deal, or optimize timing to reduce tax exposure when switching roles.

Equity compensation—whether ISOs, NSOs, or RSUs—requires careful timing and tax planning. We help you understand vesting schedules, exercise strategies, AMT exposure, and when to sell, all while aligning with your long-term financial goals.

If you're managing a personal fund or family office-style structure, you need a plan to pass down knowledge and wealth. We design continuity and education strategies for heirs, including governance structures and legacy vehicles to ensure seamless transition.

Even the most seasoned investors benefit from outside perspective, fiduciary oversight, and strategic coordination. We act as your investment partner—helping reduce blind spots, optimize tax strategies, and align planning with life goals and family wealth objectives.

We analyze cash flow, depreciation, and equity positioning across your real estate holdings to optimize both liquidity and long-term value. We also help manage 1031 exchanges, cost segregation studies, and estate planning implications tied to your property portfolio.

Direct investments in startups, private equity, or real estate syndications require careful legal and financial setup. We help evaluate entity selection, manage capital calls, and coordinate with your legal team to ensure tax-efficient, liability-conscious structuring.

Professional investors often hold a mix of equities, real estate, private placements, and alternatives. We implement tax location strategies, harvest losses where appropriate, and structure vehicles like LLCs or trusts to minimize taxes without compromising performance.

Many athletes want to give back or transition into business, media, or philanthropy. We help design charitable giving plans, foundation structures, and post-career financial strategies aligned with your legacy goals and personal mission.

Injury risk makes early exit planning essential. We stress-test your financial plan against career-ending scenarios, build multiple income pathways, and ensure your long-term goals remain achievable under various outcomes.

High visibility comes with increased risk. We help set up asset protection structures such as LLCs, trusts, and insurance coverage to safeguard your wealth from litigation, liability, or predatory deals.

Endorsement deals and image licensing can create complex income streams across multiple jurisdictions. We coordinate with legal and tax professionals to ensure proper structuring, reporting, and protection of your intellectual property and personal brand.

Athletes often earn the majority of their lifetime income within a few intense years. We help structure that income into long-term wealth through budgeting, investment strategies, and tax-efficient savings vehicles to extend financial security far beyond your playing years.

Professors and administrators often support philanthropic causes or plan to leave a legacy through their institution. We design tax-smart giving strategies, including donor-advised funds (DAFs) and charitable trusts, aligned with your personal and academic mission.

University plans may offer basic life and disability insurance, but often fall short of full coverage needs. We assess coverage gaps and recommend private solutions tailored to your income, dependents, and career stage.

Whether you're moving into phased retirement or stepping down from a tenured role, we model income drawdowns, pension timing, and healthcare options to ensure financial continuity and tax efficiency.

Income from sabbaticals, research grants, or international teaching assignments can trigger complex tax consequences. We provide proactive guidance on tax residency rules, estimated payments, and cross-border income reporting.

University professionals often have access to both 403(b) and 457(b) plans. We help you coordinate contributions to maximize tax deferral, avoid overfunding mistakes, and align investment choices with your retirement timeline.

Transfers, promotions, and agency changes may impact benefits, tax location, and housing costs. We offer location-specific tax guidance, benefits coordination, and asset planning to maintain financial stability through career transitions.

Many federal roles allow for early retirement under special provisions (e.g., law enforcement, air traffic control). We help you navigate Minimum Retirement Age (MRA), early withdrawal options, and the financial impact of leaving service before full pension eligibility.

While FEGLI is widely accessible, it may not be cost-effective long term. We compare FEGLI to private insurance options and determine the best coverage based on your family’s needs, financial goals, and career stage.

FERS includes a defined benefit pension, Social Security, and the TSP. We model how these pieces work together, helping you understand your income stream in retirement and plan around inflation adjustments, survivor benefits, and early retirement penalties.

The TSP is a powerful retirement savings vehicle, but selecting the right allocation and understanding the Roth vs. Traditional option is key. We help federal employees align TSP contributions with overall retirement goals, risk tolerance, and tax strategy.

Early estate planning ensures your business, family, and long-term goals are aligned. Whether planning to transfer ownership, retire gradually, or leave a legacy, we help you structure trusts, buy-sell agreements, and tax-efficient strategies that grow with your practice.

Dentists face risks such as disability, liability, and equipment failure. We tailor protection plans—including own-occupation disability insurance, business overhead insurance, and legal structuring—to protect income, assets, and the practice itself.

Many dentists earn significant income but carry high student or practice-related debt. We help balance aggressive debt payoff with investment growth, tax deferral strategies, and liquidity planning, so financial progress isn’t stalled by repayment obligations.

Dentists often benefit from tax-efficient retirement structures like SEP IRAs, Solo 401(k)s, or Cash Balance Plans, depending on practice size and cash flow. These plans can reduce current taxable income while accelerating retirement savings for both owners and staff.

The sale of a dental practice can be a major wealth event. Strategic planning—ideally years in advance—helps optimize valuation, minimize taxes, and ensure a smooth transition. We coordinate with legal, tax, and valuation experts to structure the sale and convert proceeds into long-term wealth.

Advisors coordinate across compensation types—RSUs, ISOs, NSOs, deferred comp—and company policies. We model liquidity, tax, and diversification scenarios while ensuring alignment with SEC rules, blackout periods, and insider restrictions. It’s about integrating planning, not just tracking assets.

Ideally, planning starts early—even mid-career. Executives often delay estate, trust, or legacy planning until a major transition. Proactive planning integrates equity comp, deferred income, and tax-efficient wealth transfer to maximize legacy impact and minimize estate tax exposure.

We help limit exposure by structuring assets through trusts, LLCs, or other vehicles that reduce public visibility. Coordinating with legal counsel, we also implement layered strategies to protect privacy, including cybersecurity audits, identity protection, and discreet asset titling.

RSUs trigger ordinary income upon vesting, often creating a large tax bill. Strategies include tax modeling around vesting dates, withholding optimization, and pairing RSU income with charitable giving (e.g., donor-advised funds) to offset liabilities and improve tax efficiency.

10b5-1 plans allow executives to schedule stock sales in advance, helping ensure compliance with insider trading rules and blackout periods. These plans provide a structured, SEC-compliant way to diversify concentrated equity positions without raising red flags.

Insurance coverage (liability, key person, disability), legal structures, and trusts can shield business and personal assets. As the company grows, layered risk management becomes essential, especially when income, litigation exposure, and responsibilities increase.

An advisor helps prepare for a sale years in advance—structuring the company for valuation, aligning tax strategy, coordinating with legal teams, and planning for post-sale liquidity, reinvestment, and legacy goals. Timing and tax structure of the exit are critical.

Tax reduction strategies include choosing the right entity type, leveraging deductions (home office, health insurance, retirement), and income-splitting with spouses. Strategic use of depreciation, R&D credits, and Section 199A can also reduce taxable income substantially.

Solo 401(k)s, SEP IRAs, and Defined Benefit Plans are strong choices. The best plan depends on income, employee count, and growth goals. These plans offer significant tax deductions and can accelerate retirement savings—especially for high earners with no or few employees.

Maintaining clear financial boundaries is essential. This includes using dedicated business accounts, proper entity structuring (LLC, S-Corp, etc.), and formal payroll for compensation. Separation protects personal assets, improves tax planning, and simplifies audits or due diligence.

Without access to employer-sponsored retirement plans, artists must take the initiative to use SEP IRAs, Solo 401(k)s, or Roth IRAs. These accounts offer tax advantages and can be structured around variable income to create long-term security and independence.

Yes—many performers and creators use loan-out corporations to receive income, deduct business expenses, and manage liability. This structure can reduce tax exposure, streamline deductions, and provide a professional separation between personal and business finances.

Copyrights, music catalogs, trademarks, and image rights can be valuable long-term assets. Financial planning for artists should include royalty tracking, licensing strategies, estate planning for IP, and potentially establishing LLCs or trusts for asset protection and income flow.

Entertainers often earn income in multiple states and countries, triggering complex tax filing requirements. Working with a financial advisor and CPA familiar with entertainment tax law can help manage withholdings, minimize double taxation, and ensure full compliance.

Income from performances, royalties, sponsorships, and appearances can fluctuate dramatically. A structured cash flow plan—including a dedicated emergency fund and income-smoothing strategies—can help manage lifestyle expenses and ensure tax obligations are covered year-round.

By focusing on consistent saving, smart investing, and clear budgeting, nurses can accelerate financial independence. Planning early, taking advantage of employer matches, and reducing debt can open pathways to semi-retirement, travel, or career flexibility later in life.

A core portfolio of low-cost, diversified index funds or ETFs can help nurses build long-term wealth without needing constant oversight. Automated contributions and rebalancing provide structure for those with unpredictable hours.

Yes. Nurses can use tax-deferred accounts, flexible spending accounts (FSAs), health savings accounts (HSAs), and, when self-employed, SEP IRAs or Solo 401(k)s to reduce taxable income and increase savings efficiency.

Employer plans may not fully cover long-term needs. Nurses should evaluate individual disability insurance, term life insurance, and supplemental policies that protect income and family security in the event of illness or injury.

Many nurses graduate with significant student debt but also have early access to employer-sponsored retirement plans. A well-structured plan can prioritize loan repayment while still building retirement savings through tax-advantaged accounts like 403(b)s or Roth IRAs, especially if employer matching is available.

Joining or leaving a medical practice can have major tax, retirement, and cash flow consequences. Without advance planning, you may miss opportunities for valuation negotiation, business structuring, or retirement plan integration. We guide you through buy-in assessments, helping evaluate whether equity ownership makes sense and how to finance it. For practice exits, we model out transition [...]

Physicians carry a uniquely high risk of litigation, whether from malpractice claims or business-related exposure. Even with insurance, your personal assets can be vulnerable without proper structuring. We design layered asset protection strategies that may include liability insurance audits, proper titling (e.g., tenancy by entirety for married couples), irrevocable trusts, and LLCs for rental or [...]

Income volatility is common in fields like emergency medicine, anesthesiology, and those who contract with multiple facilities. This makes budgeting and saving more difficult without a plan. We help smooth out financial instability through a structured approach to income planning—creating automatic allocation systems for necessities, taxes, and investment. We can also implement cash reserve tiers [...]

Physicians often reach high earning potential quickly, but with limited time to manage their finances. Their investment plans must account for tax exposure, limited employer retirement options, and long-term career demands. We build tax-aware, low-cost portfolios that take advantage of all available deferral strategies, including 401(k)s, Backdoor Roth IRAs, HSAs, and Defined Benefit Plans for [...]

Many physicians begin their careers with substantial student debt while also facing pressure to start investing and saving for retirement. The key is to balance debt reduction with long-term wealth accumulation. We develop personalized cash flow strategies that prioritize high-interest loan repayment while allocating funds to tax-advantaged investment accounts. Depending on your income, loan type, [...]

Some professionals want to offer a plan but don’t need bells and whistles. Simplicity, ease of use, and quick setup matter most. Solo Dentists & Physicians Independent Nurses & Allied Health Providers Freelance Artists, Writers & Designers Real Estate or Consulting Startups Best fit for: SEP IRA or SIMPLE IRA – Low maintenance, straightforward [...]

If your earnings exceed six figures and your priority is pre-tax savings and tax deferral, specialized plans can accelerate wealth accumulation.Best For: Corporate Executives with Schedule C income Physicians nearing retirement Professional Athletes & Entertainers Professional Investors and Traders Tech Founders with variable income Best Fit Plans: Defined Benefit or Cash Balance Plans – [...]

As your company scales, so do your retirement plan needs. Larger teams benefit from flexible contribution designs, automated enrollments, and compliance support.Best For: Mid-size Healthcare Groups Higher Education Departments Tech Firms Expanding Nationally Corporate Divisions or Subcontractors Established Professional Services Firms Best Fit Plans: 401(k) with custom features – Offers automation, optional Roth, and [...]

If you lead a lean team, you’ll need to balance simplicity with meaningful benefits to retain talent.Best For: Tech Startups Private Medical Practices Nursing & Allied Health Firms Boutique Consulting & Legal Firms Dentists with support staff Small Business Owners in Creative Fields Best Fit Plans: SIMPLE IRA – Easy to administer with required [...]

If you’re the only employee—or share ownership with a spouse—you have options that offer high contribution limits with low complexity.Best For: Physicians with solo practices Dentists running private offices Professional Investors Artists, Entertainers & Freelancers Federal Contractors (solo) Best Fit Plans: Individual 401(k) – High contribution potential from both employer and employee roles. SEP [...]

Setup or document preparation may incur flat fees (e.g., for customized Defined Benefit plans). Annual filings (such as Form 5500 for large plans) and compliance testing may carry nominal administrative fees. Any such charges are disclosed upfront in your engagement agreement.

No account opening or maintenance fees charged by the custodian. Standard brokerage commissions and fund expenses may still apply.

Charged as a percentage of plan assets under management (AUM), aligning our success with yours. Covers comprehensive services including plan setup, ongoing oversight, investment recommendations, and compliance support. Fee tiers decrease as assets grow—our goal is to maintain cost-efficiency as your plan scales.

Some plans allow Roth options for after-tax contributions and tax-free qualified withdrawals.

Investments inside the plan grow tax-deferred until withdrawn, allowing greater compounding over time.

Businesses starting a new retirement plan may be eligible for credits up to $5,000 per year for the first 3 years.

Owners can defer personal income into their own retirement account, reducing adjusted gross income (AGI).

Employer contributions are typically tax-deductible as a business expense, reducing your taxable income.

Each year, we assess plan health, participation, contribution rates, fees, and overall effectiveness. If your business grows, we adjust accordingly—helping your plan evolve with you.

We support your plan year-round with: • Contribution monitoring • Eligibility reviews • Compliance checks • Plan updates and amendments • Coordination with your CPA or payroll team

We deliver educational materials and offer live or virtual sessions to help your employees enroll, understand their options, and make informed decisions. We also provide ongoing participant support.

We provide a curated investment menu based on research-driven models, low-cost options, and, if desired, values-based portfolios. Our platform is conflict-free—no proprietary funds, ever.

We handle all paperwork, onboarding, and regulatory filings. This includes plan documents, account creation, payroll integration, and notices to employees. You remain in control, but we do the heavy lifting.

We begin with a brief strategy session to understand your business, goals, and employee structure. Based on this, we help you choose the right plan type—401(k), SEP, SIMPLE IRA, or Defined Benefit—and design the contribution structure.

We understand the unique challenges facing growing companies. Our solutions are designed to reduce complexity, lower costs, and provide a benefit that’s easy to manage yet powerful in impact.

As a fiduciary, we take legal responsibility for the investment advice we deliver. That means we are held to the highest standard of care—so you can focus on growing your business, not worrying about conflicts of interest.

We go beyond investment selection. Our role includes helping monitor costs, reviewing plan health, supporting compliance needs, and coordinating with your tax and legal team.

You deserve clarity—not sales tactics. From plan selection to ongoing investment management, we provide guidance grounded in expertise and transparency.

We don’t earn commissions or promote proprietary products. Every recommendation is made with a single goal: helping your business and your employees thrive.

We understand the unique dynamics of partnerships, family businesses, and closely held firms. We work with you to establish plans that are equitable, growth-minded, and structured for long-term continuity.

If you're preparing for succession, sale, or retirement, your company’s retirement plan can play a critical role in optimizing tax efficiency and accelerating savings. We help owners use structures like Cash Balance or Defined Benefit Plans to make the most of their high-earning years while leaving a legacy for employees.

From medical practices to law firms, agencies to retail operations, we help employers establish meaningful, compliant retirement plans that support recruiting, retention, and long-term financial security. Our plans include SIMPLE IRAs, traditional 401(k)s, Safe Harbor options, and more—with support for onboarding, employee education, and investment oversight.

Solo business owners, consultants, and freelancers often have limited options for saving at higher levels. We help you select and manage plans—like SEP IRAs, Individual 401(k)s, and Defined Benefit Plans—that let you maximize contributions while keeping complexity to a minimum.

A well-structured retirement plan supports your long-term business goals, whether you're preparing for succession, scaling your company, or planning your own exit. As your business evolves, so can your plan—ensuring it continues to deliver value at every stage.

Offering a retirement plan shows your team that you care about their future. Flexible options, low fees, and ongoing education help employees retire with confidence—while enhancing loyalty and workplace culture.

Qualified retirement plans offer powerful tax advantages for business owners, including deductible contributions, startup credits, and tax-deferred growth. For high earners and self-employed professionals, plans like Individual 401(k)s or Defined Benefit Plans can significantly accelerate personal savings.

Participant Onboarding & Engagement We deliver simple, engaging education to help employees understand and value their retirement benefits, including enrollment guidance and goal setting. High-Touch Client Service Unlike mass-market providers, we offer a boutique-level experience. Your business receives direct access to our advisory team for questions, updates, and ongoing guidance.

Plan Monitoring & Scalability As your business evolves, so do your retirement needs. We provide regular plan reviews, benchmarking, and recommendations to help you stay competitive and compliant. Compliance Integration We coordinate with your CPA and payroll provider to ensure accurate tax reporting, ERISA adherence, and timely filings.

Independent Investment Selection We provide a broad, research-driven, and cost-efficient investment menu—free of proprietary products and sales incentives. Every fund or model is chosen to support long-term growth and risk management. Institutional-Grade Pricing Our national scale gives your business access to institutional-level pricing, helping reduce overall plan costs and improve participant outcomes.

Turnkey Setup & Documentation From initial paperwork to IRS plan registration and onboarding, we handle all administrative setups promptly. Regulatory and Administrative Support We take on the complex responsibilities of compliance and documentation, helping you meet all Department of Labor and IRS requirements with ease.

Customized Plan Guidance We help you select the optimal plan type—401(k), SEP IRA, SIMPLE IRA, Solo 401(k), or Defined Benefit—based on your business size, workforce structure, and income patterns. Values-Based Investment Options We can incorporate ESG or faith-aligned screens to reflect your company’s mission, helping you offer investments that match your values and those of [...]

Our exit planning services include valuation support, owner integration strategies, and coordination with legal and tax professionals. We help you build a strategy that prepares for ownership transition—whether you're selling, retiring, or passing the business on to family.

We provide risk-mitigation solutions including key person insurance, buy-sell agreement advisory, business overhead coverage, and trustee services. These services are fiduciary-aligned and help ensure your business remains stable through unforeseen disruptions.

Absolutely. We advise on executive compensation structures such as stock options, RSUs, deferred compensation plans, and bonus arrangements—ensuring alignment with tax strategy, retention goals, and succession planning.

Yes. We provide treasury and cash management strategies that help businesses deploy idle cash more efficiently. This includes fixed-income investing, short-term liquidity planning, and custom portfolio management for business reserves.

We offer integrated financial advisory services for business owners and executives, including investment management, cash flow planning, executive compensation strategy, business protection, succession planning, and estate coordination. Our solutions are designed to align personal and corporate goals.

We begin by understanding your existing plan—or helping you set one up—and determining whether a CRA structure aligns with your investment goals, plan needs, and fiduciary responsibilities. Once a qualified plan is in place, we’ll establish the custodial account and implement your investment strategy.

Yes. CRAs are often used in solo 401(k)s, owner-only defined benefit plans, and other closely held business structures where the owner wants direct control over plan assets. This structure allows for institutional-level investing without the restrictions of bundled retirement platforms.

The plan sponsor is responsible for selecting the plan structure, coordinating with the administrator, and ensuring the CRA is used in compliance with plan rules. Global Advisers assists with plan design, investment policy development, fiduciary oversight, and ongoing compliance support.

Yes. When properly structured with a compliant plan document and administrator, a CRA fully satisfies ERISA and IRS requirements. Global Advisers partners with third-party administrators (TPAs) and recordkeepers to ensure the plan remains in good standing and meets all annual filing obligations.

Company Retirement Accounts generally have no setup or custodial fees. Investment management fees are typically asset-based and fully transparent. Depending on the investment strategy, there may be trading costs, fund expense ratios, or third-party management fees. Global Advisers provides clear documentation of all costs in advance.

In most CRA structures, participant-level access is available through secure client portals. Depending on the plan setup, participants may have view-only access or limited control over individual investment choices. Plan sponsors maintain primary oversight and control.

When you open a CRA at Global Advisers, we manage the assets on your behalf, just like in any other investment account. Our firm provides institutional-grade investment management and oversight for CRAs, tailored to your plan’s objectives and participant profile.

CRAs provide access to a wide range of investments, including: Individual stocks and ETFs Mutual funds Corporate and municipal bonds U.S. Treasuries and money market funds Professionally managed models or third-party strategies This flexibility allows for active management, custom portfolios, or passive index strategies.

No. A CRA is not a retirement plan itself—it is the custodial brokerage account where the plan assets are held and managed. It must be paired with a qualified plan document (e.g., a 401(k) or profit-sharing plan) to be compliant with IRS and Department of Labor rules.

Any business that sponsors a qualified retirement plan—such as a 401(k), profit-sharing plan, or defined benefit plan—can use a Company Retirement Account. CRAs are especially well-suited for business owners, fiduciaries, or advisors who want to manage plan investments actively or incorporate strategies beyond mutual fund menus. f

Traditional 401(k) platforms typically offer a preset menu of mutual funds or model portfolios. A CRA allows for open-architecture investing—giving the business or plan fiduciary access to a full range of public markets and investment strategies. This structure is ideal for businesses or plan sponsors who want greater control and customization.

A Company Retirement Account is a brokerage-based custodial account used to hold and manage retirement plan assets—typically for 401(k), profit-sharing, or defined benefit plans. Unlike traditional retirement plans with limited fund menus, CRAs provide access to a broad range of investments, including stocks, ETFs, mutual funds, and fixed income instruments.

No. One of the main advantages of a SIMPLE IRA is its minimal administration. Employers are not required to file Form 5500 or conduct nondiscrimination testing. However, they must provide employees with annual notices regarding eligibility, contribution limits, and plan features.

Currently, most SIMPLE IRAs are pre-tax only, though some recent legislation may allow Roth contributions in the future depending on custodial support. We can help you assess available plan providers and whether a Roth SIMPLE IRA is feasible for your business.

Yes, but with restrictions. During the first two years of participation, rollovers are only allowed to another SIMPLE IRA. After two years, participants may roll over funds to a traditional IRA or another qualified plan. Improper rollovers may trigger penalties and taxes.

Employees may withdraw funds at any time. However, withdrawals before age 59½ are subject to ordinary income tax and a 10% penalty. If the withdrawal occurs within the first two years of participation, the penalty increases to 25%. Required Minimum Distributions (RMDs) begin at age 72.

Yes. Employee contributions are made pre-tax, lowering taxable income. Employer contributions are deductible as a business expense. Investment earnings within the account grow tax-deferred until withdrawn in retirement.

Yes. Employers must make one of the following contributions each year: A dollar-for-dollar match of employee contributions up to 3% of compensation, or A 2% non-elective contribution for all eligible employees, whether they contribute or not. The employer must choose one method and apply it consistently for the year.

Employees can contribute up to the annual salary deferral limit set by the IRS. Participants age 50 and older can also make catch-up contributions. These amounts are adjusted annually. Contributions are deducted directly from the employee’s paycheck.

Employees who have earned at least $5,000 in any two prior years and are expected to earn at least $5,000 in the current year must be eligible to participate. Employers can choose to allow more generous participation but cannot set more restrictive eligibility rules. ƒ

Any business with 100 or fewer employees who earned at least $5,000 in compensation in the preceding calendar year may establish a SIMPLE IRA. The business must not offer any other retirement plan concurrently. It’s an excellent option for businesses seeking a low-cost, easy-to-administer retirement benefit.

A SIMPLE IRA (Savings Incentive Match Plan for Employees) is a retirement plan designed for small businesses with 100 or fewer employees. It allows employees to make salary deferral contributions while requiring the employer to make annual contributions, either as a matching percentage or a fixed amount.

Yes. SEP IRA contributions are discretionary. As the employer, you are not required to contribute every year. This makes the plan especially attractive to business owners with fluctuating income or seasonal businesses.

Yes. SEP IRA funds can be rolled over into a traditional IRA, another SEP IRA, or a qualified retirement plan like a 401(k), provided the receiving plan allows for incoming rollovers. Rollovers are not taxable if completed correctly.

No. One of the key advantages of a SEP IRA is the minimal administrative burden. Employers are not required to file annual IRS forms such as Form 5500, and no nondiscrimination testing is required. You simply report contributions as part of your business’s annual tax filing.

Employees must generally be included in the plan if they are at least 21 years old, have worked for the employer in at least three of the past five years, and have earned at least $750 (2023) or the current IRS threshold. Employers may choose less restrictive rules but not more restrictive ones.

SEP IRA distributions are taxed as ordinary income in the year they are withdrawn. If withdrawals are taken before age 59½, they may be subject to a 10% early withdrawal penalty unless an IRS exception applies. Required Minimum Distributions (RMDs) begin at age 72.

Yes. SEP IRA contributions are generally tax-deductible for the business and do not count as taxable income to the employee until funds are withdrawn in retirement. This makes SEP IRAs an efficient way to reduce current-year taxable income.

Employers can contribute up to 25% of each eligible employee’s compensation, up to the annual dollar limit set by the IRS. The same percentage must be applied uniformly to all eligible employees, including the owner. Contribution limits are significantly higher than those of a traditional IRA.

No. Only the employer contributes to a SEP IRA. Employees cannot defer part of their salary like in a 401(k). However, once contributions are made, the funds belong to the employee and are fully vested immediately.

Any business owner—including sole proprietors, partnerships, LLCs, and corporations—can establish a SEP IRA. These plans are particularly well-suited for businesses with no or few employees and for self-employed individuals looking to make larger retirement contributions without complex administration.

A SEP IRA (Simplified Employee Pension) is a retirement plan that allows business owners to make tax-deductible contributions to accounts set up for themselves and their eligible employees. It is designed for self-employed individuals, freelancers, and small business owners who want a simple, flexible retirement savings option with higher contribution limits than traditional or Roth [...]

Any business—regardless of size or structure—can offer a 401(k) plan. This includes sole proprietorships, partnerships, LLCs, corporations, and nonprofits. Plans can be tailored for businesses with one employee (such as the owner) or hundreds of employees, depending on your objectives.

A traditional 401(k) plan may require annual nondiscrimination testing to ensure contributions do not favor highly compensated employees. A Safe Harbor 401(k) avoids this testing by requiring mandatory employer contributions—either matching or non-elective—for all eligible employees. Safe Harbor plans are popular among small businesses that want to ensure full participation by owners and key employees [...]

Employees can contribute up to the annual IRS limit through salary deferrals. Additional “catch-up” contributions are allowed for participants age 50 and older. These limits are adjusted annually.

Yes. Employers can choose to offer matching contributions (e.g., 100% of the first 3% of employee pay) or profit-sharing contributions. These contributions are typically tax-deductible and can be designed to support specific compensation or retention strategies.

Yes. Employee contributions are made pre-tax, reducing taxable income in the year of the contribution. Employer contributions are deductible as a business expense. Investment growth within the plan is tax-deferred until funds are withdrawn in retirement.

Many 401(k) plans offer a Roth option, which allows employees to make after-tax contributions. Qualified withdrawals of Roth 401(k) earnings are tax-free in retirement. Participants can split their contributions between traditional and Roth if the plan permits it.

Withdrawals are allowed upon reaching age 59½, retirement, disability, death, or other qualifying separation from service. Early withdrawals before age 59½ are generally subject to a 10% penalty in addition to income tax unless an exception applies. Required Minimum Distributions (RMDs) begin at age 72.

Plan sponsors are responsible for ensuring the plan remains in compliance with IRS and Department of Labor regulations. This includes annual nondiscrimination testing (unless Safe Harbor), timely remittance of employee contributions, Form 5500 filing, and participant disclosures. Global Advisers partners with third-party administrators and recordkeepers to handle these duties on your behalf.

Yes. Many plans combine a traditional 401(k) with a profit-sharing component, allowing the employer to make discretionary contributions on top of employee deferrals. This structure is common in plans seeking to maximize contributions for owners and key employees.

Investment menus can be customized and may include mutual funds, ETFs, target-date funds, model portfolios, or self-directed brokerage windows. Global Advisers provides professional investment oversight and works with plan sponsors to design a menu that reflects the needs of participants and fiduciary standards.

Employees can leave their 401(k) funds in the plan, roll them over to an IRA or a new employer’s plan, or cash them out (which may trigger taxes and penalties). The employer has responsibilities regarding timely notification and options available to the participant.

Yes. A Defined Benefit Plan can be frozen (suspending new benefit accruals) or terminated (fully shutting down the plan), but this must be done carefully and with proper planning. Upon termination, participants typically receive a lump-sum rollover or annuity based on their accrued benefit.

Yes. Defined Benefit Plans require an annual Form 5500 filing and actuarial certification. These filings confirm that the plan is properly funded and in compliance with IRS and Department of Labor rules. Global Advisers partners with actuaries and plan administrators to handle these responsibilities on your behalf.

At retirement, the plan provides a guaranteed monthly benefit based on the formula defined in the plan document. In some cases, participants may be offered a lump-sum distribution instead. Distributions follow similar rules to other qualified plans, including Required Minimum Distributions (RMDs) beginning at age 72.

If you hire employees, they may need to be included in the plan based on eligibility rules and nondiscrimination requirements. However, the plan can often be designed to favor owners or limit participation based on minimum service and age requirements. We work closely with third-party administrators and actuaries to manage this process.

Employer contributions are tax-deductible, which can significantly reduce current-year taxable income. Investment earnings grow tax-deferred, and distributions are taxed as ordinary income in retirement. For high earners, this structure offers one of the most powerful ways to lower taxes and build retirement wealth.

Generally, yes. Once the plan is established, the business is expected to fund it annually based on the actuary’s calculation. However, contributions can be adjusted somewhat from year to year depending on plan performance and funding level. Plans can also be frozen or terminated with proper notice and guidance.

Yes. A Defined Benefit Plan can be combined with a 401(k)/Profit-Sharing Plan to maximize retirement contributions. This is often referred to as a “combo plan” and is commonly used by business owners with higher income levels who want to contribute as much as possible in a tax-advantaged way.

There is no fixed IRS contribution limit like with other plans. Annual contributions are based on the retirement benefit the plan is designed to provide, up to a maximum lifetime benefit set by the IRS (e.g., $275,000/year as of 2024). Contributions can often exceed $100,000–$300,000 per year depending on age and compensation.

Contributions are actuarially calculated based on factors such as age, compensation, years to retirement, and the targeted benefit at retirement. The older the participant and the higher the income, the larger the allowable contribution—often well above the limits of SEP IRAs or 401(k)s.

Defined Benefit Plans are ideal for high-income business owners, professionals, and self-employed individuals—particularly those over age 45—who want to make large tax-deductible contributions and accelerate retirement savings. They are especially effective for businesses with no or few employees, where most of the benefit can be directed to the owner.

At Global Advisers, there are no setup or maintenance fees. Our firm charges a transparent, asset-based management fee. Depending on your custodian and investment selections, additional fund expenses or transaction costs may apply.

A Solo 401(k) is only for businesses with no full-time employees other than a spouse. If you hire eligible employees, your plan may need to be converted into a traditional 401(k), and additional compliance requirements would apply.

To make salary deferral contributions for the current tax year, the plan must be established by December 31. Employer profit-sharing contributions can typically be made up to your tax filing deadline, including extensions.

Yes. If your spouse earns income from the business, they can participate in the Solo 401(k) and make their own employee and employer contributions, effectively doubling the household’s contribution limits.

Not initially. If your Solo 401(k) plan assets exceed $250,000 at the end of the plan year, you are required to file IRS Form 5500-SF annually. If assets remain below that threshold, no filing is required.

In many cases, yes. Some custodians allow Roth contributions within a Solo 401(k), which means you can contribute after-tax dollars and potentially withdraw earnings tax-free in retirement if qualified.

Contributions are typically tax-deductible, which reduces your taxable income. Investment earnings grow tax-deferred until withdrawn in retirement. If your plan includes a Roth option, you can also make after-tax contributions that may be withdrawn tax-free under certain conditions.

Yes. With a Solo 401(k), you can make contributions in two capacities. As the employee, you can contribute salary deferrals up to the IRS annual limit. As the employer, your business can also make a profit-sharing contribution, allowing for a much higher total annual contribution compared to traditional IRAs or SEP IRAs.

A Solo 401(k) is available to self-employed individuals or business owners with no full-time employees other than a spouse. This includes sole proprietors, LLCs, S corps, and C corps. You must have earned income from the business and hold at least a 5% ownership stake.

No. We operate as an independent advisory firm. Our compensation model is transparent and fee-based, ensuring that our guidance is objective and free from sales incentives.

Yes. We believe employee engagement is critical. We offer education sessions, one-on-one meetings, and digital resources to help employees understand and make the most of their retirement benefits.

Absolutely. We offer plan benchmarking, fee analysis, investment lineup reviews, and fiduciary oversight to improve the structure and performance of your existing retirement plan.

There is no strict minimum. We work with solo entrepreneurs, small businesses with just a few employees, and larger organizations. We help determine what plan fits your current size while planning for scalability.

Yes, we serve in a fiduciary capacity when managing retirement plans, meaning we are legally and ethically obligated to act in the best interests of plan sponsors and participants.

Yes. We assist with plan design, vendor selection, onboarding, investment selection, employee education, and ongoing oversight. We also coordinate with recordkeepers, third-party administrators (TPAs), and CPAs to streamline the process.

We conduct a needs-based assessment that considers your business structure, employee demographics, tax situation, and growth objectives. Our goal is to recommend a plan that’s both cost-effective and aligned with your long-term goals.

Portfolio Management: Managing investment portfolios for individuals, companies, and institutions. Asset Allocation: Determining the optimal distribution of assets across various classes to achieve investment objectives.

Institutional Consulting: Providing investment advice to institutions such as pension funds, endowments, and foundations. Research and Due Diligence: Conducting research on investment opportunities and performing due diligence on investment products and managers.

Retirement Planning: Helping clients plan for retirement by analyzing current savings, and projected retirement needs, and creating strategies to achieve retirement goals. Education Planning: Assisting clients in saving for their children's education expenses through various investment vehicles like 529 plans. Estate Planning: Advising on the distribution of assets upon death, minimizing estate taxes, and ensuring [...]

Financial Planning: Developing comprehensive financial plans for individuals and families. Estate Planning: Advising clients on how to manage their estate to minimize taxes and ensure smooth transfer of assets.

Pension Funds: Managing assets for pension plans to meet future liabilities. Endowments and Foundations: Investing funds to support the missions of non-profit organizations. Sovereign Wealth Funds: Managing government-owned investment funds.

Investment Strategy Development: Creating customized investment strategies based on clients’ goals, risk tolerance, and time horizon. Performance Reporting: Providing clients with regular updates and detailed reports on portfolio performance. Education and Communication: Educating clients on investment principles and maintaining clear communication regarding investment decisions and market conditions.

Fund Selection: Creating and managing mutual funds that pool investors' money to invest in diversified portfolios of securities. Performance Monitoring: Continuously tracking fund performance and making adjustments as needed.

Bond Selection: Choosing bonds based on credit quality, yield, and duration. Interest Rate Risk Management: Strategies to mitigate the impact of interest rate changes on bond portfolios. Credit Analysis: Evaluating the creditworthiness of bond issuers.

Stock Selection: Analyzing and selecting individual stocks to include in portfolios. Sector Rotation: Adjusting portfolio allocations based on anticipated sector performance. Dividend Investing: Focusing on stocks that provide regular dividend payments.

Active Management: Making continuous buy, hold, and sell decisions to outperform market benchmarks. Passive Management: Managing portfolios to replicate the performance of a specific index or benchmark with minimal trading. Asset Allocation: Strategically distributing investments across various asset classes (stocks, bonds, real estate, etc.) to balance risk and return.

Charitable Giving: Assisting clients with strategies for charitable giving, including the use of donor-advised funds, charitable trusts, and direct donations. Tax Benefits: Ensuring that clients take advantage of tax benefits associated with charitable contributions.

Benefit Optimization: Advising clients on how to maximize their employer-provided benefits, including retirement plans, health insurance, and stock options. Flexible Spending Accounts: Helping clients utilize FSAs and HSAs to manage healthcare costs efficiently.

Budgeting: Creating detailed budgets to help clients manage their income and expenses effectively. Debt Management: Developing strategies to manage and reduce debt, including credit card debt, student loans, and mortgages.

Risk Management: Assessing clients' insurance needs and recommending appropriate coverage for life, disability, health, long-term care, and property and casualty insurance. Policy Review: Regularly reviewing existing insurance policies to ensure they continue to meet clients' needs.

Saving for Education: Helping clients save for education expenses through 529 plans, Coverdell ESAs, and other education savings vehicles. Financial Aid: Advising on financial aid options and strategies to maximize aid eligibility.

Wealth Transfer: Planning for the transfer of assets to heirs and beneficiaries in a tax-efficient manner. Trusts and Wills: Advising on the creation of trusts, wills, and other estate planning documents to ensure clients' wishes are fulfilled.

Tax Efficiency: Implementing strategies to minimize tax liabilities, such as tax-loss harvesting and strategic withdrawals.

Portfolio Management: Constructing and managing investment portfolios to align with clients' risk tolerance, time horizon, and financial goals. Asset Allocation: Diversifying investments across different asset classes to manage risk and optimize returns.

Retirement Savings: Developing strategies for accumulating retirement savings through various accounts like 401(k), IRA, and Roth IRA. Income Planning: Creating plans for sustainable income during retirement, including Social Security strategies and withdrawal plans.

Hedge Funds: Managing funds that employ various strategies to achieve returns, including long/short equity, market neutral, and event-driven strategies. Private Equity: Investing in privately held companies or engaging in buyouts and venture capital. Real Estate: Managing investments in commercial, residential, or industrial properties.

Quantitative Analysis: Using mathematical models to assess and manage financial risk. Hedging Strategies: Implementing strategies to mitigate various types of risk, such as market risk, credit risk, and operational risk. Diversification: Reducing risk by spreading investments across various assets, sectors, and geographies.

Bond Valuation: Assessing the value and risk of bond investments. Credit Analysis: Evaluating the creditworthiness of bond issuers and the likelihood of default.

Portfolio Management: Managing investment portfolios for individuals, companies, and institutions. Asset Allocation: Determining the optimal distribution of assets across various classes to achieve investment objectives.

We provide expertly managed ESG (Environmental, Social, Governance) and Sustainable Investing Accounts, catering to investors who aim to effect positive environmental and social change through their investment choices. By allocating capital into companies, organizations, and funds committed to ethical practices, we strive to produce tangible social and environmental benefits in tandem with financial gains. This [...]

The ESG report delivers a comprehensive overview, including an ESG ratings summary, an analysis of controversy distribution, and details on the portfolio's largest holdings. The summary details encompass the ESG score, Controversies Score, Combined Score, the share of portfolio companies with an ESG score, and a breakdown by ESG pillars. A bar chart depicting controversy [...]

The Impact Dashboard empowers you to critically assess your portfolio, enabling you to align your investments with corporations that share your ethical outlook. Select the Impact Values and ESG (Environmental, Social, Governance) criteria—such as Racial Equality and No Animal Testing—that resonate with you. The dashboard then evaluates and rates your portfolio's conformity with these chosen [...]

Our family office services extend beyond traditional wealth management to encompass advanced cash management and strategic borrowing solutions, designed to streamline your day-to-day financial transactions and enhance liquidity access. Recognizing the importance of flexibility in managing personal and business finances, we offer tailored lending and banking solutions that cater to both spheres. Whether it's optimizing [...]

Within our family office services, a team of dedicated professionals stands ready to assist in navigating the complex and often sensitive dynamics of family governance. Recognizing the unique challenges that wealth can introduce to family relationships, our experts are adept at addressing sensitive issues, enhancing communication, and managing conflicts. We act in concert with your [...]

Our Managed Philanthropy services are an integral component of our family office offerings, designed to deliver strategic advisory solutions tailored to your charitable aspirations. Understanding that philanthropy is a reflection of your values and legacy, we work closely with you to articulate and achieve your philanthropic objectives. Our approach involves a thorough analysis of potential [...]

In the dynamic landscape of family office services, we recognize that as your personal circumstances and objectives evolve, so too will your taxation and estate planning requirements. Regularly scheduled meetings are pivotal in maintaining the alignment of your financial strategy with your changing needs. These sessions serve as opportunities to revisit the foundational insights garnered [...]

Our family office services are meticulously designed to safeguard not just your financial assets but also the values you wish to pass on to future generations. Embracing an integrated planning approach, we address the core aspects of legacy management including family dynamics, wealth transition strategies, asset protection schemes, and the meticulous planning of business succession. [...]

Our family office services offer a bespoke suite of solutions designed to alleviate the administrative complexities inherent in managing substantial wealth. By centralizing financial reporting, we streamline the oversight of your assets, ensuring clarity and cohesion across your financial landscape. Beyond mere consolidation, our expertise extends to navigating the intricate facets of your financial life, [...]

At the outset of our engagement, we undertake a meticulous initial review, encompassing preliminary due diligence on your balance sheet and existing estate strategy. This phase transitions into a comprehensive discovery process, where we delve into understanding your goals, concerns, and aspirations across a spectrum of critical areas, including tax planning, legacy building, wealth transfer, [...]

Our family office offerings deliver a fully integrated, comprehensive analysis of your financial landscape, encompassing your balance sheet, estate plan, and investment strategy. This collaborative endeavor involves a synergistic partnership between you, your Global Adviser Wealth Manager, and, upon your request, your legal and tax advisors. This holistic approach ensures that every facet of your [...]

Streamline the process of consolidating assets, buying and selling securities, and managing cash flow to cover expenses and pay taxes. Begin by learning how easy it is to open an account. Trust Account With a Trust Account, you can plan ahead and simplify the management and protection of your assets. Estate Account An Estate Account [...]

Protect and manage your trust accounts assets. Availability For estates of any size and for most kinds of trusts. Benefits and features Full brokerage account options make it easy to manage and protect the assets within your trust account after your passing. Easy account consolidation Helps prepare for the distribution of your assets after death [...]

Manage and distribute estate assets Availability For executors or court-appointed administrators of estates Benefits and features Full brokerage account options make it easy to facilitate the distribution of an estate’s financial assets Easy manage, consolidate, buy and sell, or access cash to pay taxes Get accurate estate value for IRS purposes Transfer titles to heirs [...]

It’s never too early to begin thinking about your legacy or to design your estate plan. Estate Planning Your legacy transcends money—it also encompasses your values. A plan is an important part of your ongoing financial goals. Trust and Estate Planning is an integral part of our Three-Phase financial planning process, which analyzes all areas [...]

Account fees and minimums We offer a comprehensive range of investment options to meet a wide variety of goals. Trust accounts Custodial Fees: Monthly service fees: $0 Account opening minimum: $0 Commissions: $0 online listed stock and ETF commissions Management Fees: Based on total household assets. Estate accounts Custodial Fees: Monthly service fees: $0 Account [...]

Life insurance stands as a cornerstone in the arsenal of estate planning tools for investment and wealth management clients, offering a versatile solution to protect income and secure a legacy for heirs. This financial instrument is pivotal not just in providing for beneficiaries in a tax-efficient manner but also in addressing the unique challenges of [...]

For investment and wealth management clients, the significance of disability insurance cannot be overstated, particularly as a preemptive measure to safeguard one’s income stream against the unpredictable eventuality of a disability or injury rendering them unable to work. While it's true that certain employers offer disability insurance as part of their benefits package, it's crucial [...]

For investment and wealth management clients, addressing the potential financial strain posed by the escalating costs of long-term care is crucial. Long-term care insurance emerges as a strategic solution, designed to mitigate the economic impact that prolonged healthcare needs can have on an individual’s financial stability and the well-being of their family. This type of [...]

For clients navigating the complexities of investment and wealth management, annuities offer a strategic complement to their retirement planning portfolio. As contractual agreements with insurance companies, annuities guarantee a stream of income for life, a cornerstone of financial stability in retirement. These financial instruments are designed to supplement, rather than supplant, other retirement savings vehicles, [...]

For investment and wealth management clients exploring real estate financing options, selecting the appropriate mortgage solution is paramount. Whether you're in the market to purchase a new home, looking to refinance an existing mortgage, or considering tapping into your home’s equity, the right mortgage product can significantly impact your financial strategy. Home lending solutions tailored [...]

Integrating your investment account with your bank account is a prudent strategy for investment and wealth management clients, facilitating seamless financial management. This linkage enables the swift and secure online transfer of funds between accounts via a protected platform, enhancing the efficiency of managing your investments and liquidity. Our checking account options are designed with [...]

We provide two distinct categories for Certificates of Deposit: bank CDs and brokerage CDs, each catering to varying investor preferences and risk appetites. Bank CDs represent a traditional and secure investment avenue. As federally insured deposits, they guarantee a predetermined interest rate over a fixed term, with the principal amount assured upon maturity. This federal [...]

Investing for retirement is a meticulous process that necessitates a clear goal, a strategic approach, and optimal asset allocation. The cornerstone of retirement investing is the establishment of well-defined objectives, including the desired retirement age and the financial resources required to sustain a comfortable lifestyle. With these goals in place, formulating a strategy becomes the [...]

Transforming retirement savings into a consistent and reliable income stream is a complex endeavor that requires strategic planning and astute investment choices. The crux of this challenge lies in crafting an investment portfolio that not only preserves capital but also generates sufficient income to support your retirement lifestyle, all while mitigating risk. Initiating this process [...]

Individual Retirement Accounts (IRAs) are pivotal in strategic financial planning, offering a less taxing avenue to secure one's future. Traditional and Roth IRAs, while both serving the purpose of facilitating retirement savings, diverge in their tax treatment, providing flexibility to cater to different financial situations and goals. Traditional IRAs offer tax-deferred growth, meaning contributions may [...]

Core Target Date retirement accounts embody a strategic investment approach tailored to align with a specific retirement year, making them an essential tool for investors aiming for a precise retirement timeline. These funds automatically adjust their asset allocation, transitioning from aggressive to more conservative investments as the target retirement date approaches. Initially, the focus is [...]

For those considering early retirement, a meticulously crafted plan, a robust strategy, and a forward-looking perspective are indispensable. Early retirement amplifies the need for a substantial and sustainable retirement income, given the extended duration your savings must cover. This necessitates an aggressive savings plan during your working years, coupled with strategic investments that balance growth [...]

In retirement planning, adopting an integrative approach is crucial. It involves creating a strategy that not only focuses on financial elements but also incorporates lifestyle, health, and long-term objectives, ensuring a well-rounded retirement plan. Central to this is building a diversified investment portfolio tailored to an individual's risk capacity and tolerance. Diversification across various asset [...]

Our investment firm's strategy in offering wealth management services is centered on a personalized, client-focused approach. We understand that each client's financial situation, goals, and risk tolerance are unique. Therefore, we prioritize establishing a deep understanding of our clients' long-term objectives to tailor a bespoke wealth management plan. This strategy encompasses a thorough analysis of [...]

Our firm delivers a comprehensive suite of financial planning services, addressing all facets necessary to manage and enhance your wealth effectively. Our financial planning encompasses a detailed strategy for retirement, education funding, budgeting, and cash flow management. We are dedicated to constructing a plan that is not only robust but also flexible, ensuring that it [...]

At Global Advisers, we recognize the unique complexities of managing wealth. We offer a suite of services crafted to cater to the distinct needs of our discerning clientele. Our Investment Management service is the cornerstone of our offerings. We believe in creating bespoke investment strategies that are meticulously aligned with your individual risk tolerance, investment [...]

Index investing offers several benefits, making it a popular choice for both novice and experienced investors. Firstly, it provides broad market exposure, reducing the risk associated with individual stocks or sectors. Secondly, it is cost-effective, as the lower turnover rates and passive management strategy result in lower fees compared to actively managed funds. Additionally, index [...]

The key difference between index investing and active investing lies in the investment management approach. Index investing is a form of passive management where the goal is to match the returns of a market index by replicating its holdings. There's minimal trading, which results in lower transaction costs and tax efficiency. Conversely, active investing involves [...]

Index investing is a passive investment strategy that aims to replicate the performance of a specific benchmark index, such as the S&P 500 or the NASDAQ Composite. It involves purchasing a diversified portfolio of stocks or bonds that mirrors the constituents of the index, allowing investors to benefit from the broad market’s returns with minimal [...]

In addition to the normal account management fee, you may incur expenses to invest in any underlying funds, collective investment trusts, and ETFs in your portfolio (i.e., expense ratios). If you're invested in ETFs, collective investment trusts, or mutual funds today, you're already paying these expenses. You'll also pay a commission to the custodian each [...]

We can manage certain types of eligible 401(k) retirement accounts and the following types of retail Brokerage Accounts: Individual or joint tenants with rights of survivorship (JTWROS) taxable accounts. Traditional IRAs. Roth IRAs. Rollover IRAs. SEP IRAs Inherited IRAs Trust accounts Business Brokerage accounts SIMPLE IRAs Personal Defined Benefit Plans Company Retirement Accounts Custodial accounts [...]

To invest, you'll need to meet the following requirements: You have a retail brokerage account with one of our custodians. (If you're new to Global Advisers, opening an account is simple.) You're a United States resident, or you have an APO/FPO/DPO mailing address. You’re at least 18 years of age. (some states may have different [...]

While there is no minimum amount required, we suggest you start with a balance of at least $10,000. This is an aggregate amount as based on each taxable, traditional, Roth, or rollover IRA you wish to invest.

Nous ouvrons des comptes pour les individus, les entrepreneurs, les holdings familiaux, les offices de famille et les fondations. Nos services comprennent la gestion d'actifs financiers sur les marchés publics et privés, ainsi que l'accès à des options d'investissement exclusives et des solutions de financement. De plus, nous offrons des services de réseautage, ainsi qu'un [...]

The fees are exactly the same as our other fees. Please see the fee schedule page for details.

In a few simple steps, you can create a core account that is diversified, tax-efficient, and easy on your wallet.

Diversification: Asset allocation spreads investments across various asset classes (such as stocks, bonds, and real estate) to reduce risk. Different asset classes often perform differently under the same economic conditions. By diversifying, investors can mitigate the impact of poor performance in one asset class with gains in another, reducing the overall volatility of the portfolio. [...]

There is no minimum amount required to start investing in the Wealth Builder Program.

Sometimes other people in your life need some help. Where we add value: Tailored Financial Support Advice: Delivering personalized, ongoing guidance for effectively supporting a loved one or parent financially. Strategic Long-Term Planning: Focusing on long-term financial planning to ensure impactful and sustainable assistance. Structured Financial Support Planning: Assessing effective methods of financial assistance. [...]

Giving to charity is rewarding. Managing your donations is another matter. Where we add value: Personalized Philanthropic Guidance: Our Managed Philanthropy Services offers specialized, ongoing advice for impactful charity donations, tailored to your values and financial situation. Strategic Charitable Giving Planning: Emphasizing the importance of strategic planning for enhanced effectiveness and fulfillment in philanthropy. [...]

Investors have a lot to think about. Life insurance should be one of them. Where we add value: Personalized Financial Planning for Life Insurance: Providing custom, ongoing investment advice to financially prepare for life insurance coverage. Long-Term Financial Strategy for Insurance Premiums: Utilizing strategic, long-term financial planning to ensure affordability and alignment of life [...]

A trust provides legal protection for your assets and ensures those assets are distributed according to your wishes. Where we add value: Tailored Trust Establishment Guidance: Offering specialized, ongoing advice for creating and funding a trust, customized to your specific needs. Strategic Long-Term Investment Approach: Focused on strategic, long-term investing as the foundation for [...]

Taking unnecessary risks with the money you have set aside for your home can delay your financial growth. Start now with the right type of account. Where we add value: Personalized Home-Buying Investment Advice: Delivering custom, ongoing guidance from the start, focused on your goal of homeownership. Long-Term Saving and Investment Strategy: Emphasizing the [...]

The thought of saving for college tuition is daunting. The afterthought of not saving for it can be devastating. Where we add value: Personalized College Savings Advice: Providing specialized, ongoing investment guidance tailored to your college saving goals. Long-Term Investment Approach: Advocating for a strategic, long-term investment strategy to accumulate funds for education. Dedicated [...]

Health Savings Accounts(HSA) are one of the many ways you can manage health care costs. Where we add value: Tailored Healthcare Financial Guidance: Providing expert, ongoing advice customized to manage healthcare expenses effectively. Strategic Healthcare Cost Management: Developing strategies for healthcare cost management and insurance optimization. Comprehensive Financial Strategy for Healthcare: Incorporating health savings [...]

Tackle student loan debt with smart strategies and a sound investment and savings plan. Where we add value: Tailored Student Loan Repayment Support: Delivering dedicated, ongoing guidance specifically designed for your student loan repayment journey. Customized Repayment Strategies: Creating personalized repayment plans that align with your financial goals and lifestyle, focusing on efficiency and [...]

No matter what the current rate of interest is on your credit card debt, if it’s higher than zero, it’s too high. Where we add value: Personalized Debt Reduction Guidance: Offering expert, ongoing advice tailored to your specific needs for paying off credit card debt. Strategic Repayment Plans: Focusing on strategies that prioritize high-interest [...]

Emergencies are a fact of life. Planning for them can dramatically reduce the stress associated with job loss or catastrophe. Where we add value: Customized Emergency Fund Strategy: Delivering expert, ongoing guidance from the outset, tailored to the creation and optimization of your emergency fund. Prudent Saving and Strategic Allocation: Emphasizing the importance of [...]

If you’re thinking about retiring early, make sure you have a plan, a strategy, and the right outlook on the future. Where we add value: Tailored Early Retirement Guidance: Providing personalized, expert investment advice from the beginning, aligned with your early retirement objectives and financial situation. Long-Term Investment Focus: Advocating for focused, long-term investing [...]

Investing for retirement begins with a goal, a strategy, and the right asset allocation. Where we add value: Personalized Retirement Investment Guidance: Delivering expert, ongoing advice from the start, specifically tailored to your retirement aspirations and financial circumstances. Long-Term Investment Strategy: Emphasizing the importance of disciplined, long-term investing as the foundation for a successful [...]

Converting your retirement savings into a steady stream of income is challenging. Selecting the right mix of investments is a good place to start. Where we add value: Customized Retirement Income Strategy: Offering expert, personalized guidance from the outset, aimed at enhancing your retirement income, with a focus on including bonds and preferred stocks [...]

The thought of saving for college tuition is daunting. The afterthought of not saving for it can be devastating. Where We Add Value: Personalized Advice: Tailored specifically to your family's unique educational goals and financial situation from the start. Strategic Long-Term Planning: Focused on maximizing educational savings and minimizing future debt through forward-thinking investment [...]

Reward your employees with investing and retirement benefits. Your brand will thank you for it. Where we add value: Tailored Retirement Plan Guidance: Providing professional, ongoing investment advice from the outset, customized to the organization's and employees' unique needs. Long-Term Investment Philosophy: Belief in the critical role of strategic, long-term investing for a secure retirement. [...]

Tomorrow’s future starts today by considering factors beyond traditional risk and return. Where we add value: Personalized Sustainable Advice: Offering specialized, ongoing investment counsel from the start, tailored to your values and financial goals. Sustainable Investment Philosophy: Believing in the power of sustainable, long-term investing for wealth building and positive societal impact. Comprehensive Sustainable [...]

Cash flow is a key indicator of your business’ success. Investing wisely can help increase cash flow and set you up for growth. Where we add value: Initial Guidance: Providing expert, ongoing investment advice from the very beginning, tailored to the unique needs of your business. Philosophy of Long-Term Investing: Belief that strategic, long-term investments [...]

Whether you’re saving for college, retirement, or a major life event, establishing a long-term investment plan makes sense. Where we add value: Many people want to invest but are unsure where to begin. From the first conversation, we provide professional ongoing investment advice that is highly customized to your unique situation. Personalized Advice: Offering [...]

Family Office Services Helping you navigate the complex, multigenerational challenges of managing significant wealth. Explore Family Office Advisory Services Planning Our integrated approach to planning, which includes family issues, wealth transfer, asset protection, and business succession planning helps you maintain family unity across generations by focusing on family mission, governance, conflict [...]

Sustainable Investing Does your investment portfolio reflect your personal values? Discover Sustainable Investing Global Advisers’ expertise in Sustainability Investing lies far deeper than the level of understanding of which companies might represent a good investment opportunity. We strive to understand the topic at the academic level. Doing so helps us provide [...]

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Hedge Funds Private Equity Natural Resources Real Estate Infrastructure Collectibles Numismatics Precious Metals/Bullion

Life Insurance Whole Life Term Life Universal Life Disability Insurance Long-term Care Annuities Health

High-Yield Checking and Savings Bank and Brokerage CDs Visa© or MasterCard© debit card Home Lending

Stocks Bonds and Fixed Income Mutual Funds Exchange Traded Funds Options and Derivatives U.S. Spot Gold Hedge Funds Commodities Forex Metals Futures Certificates of Deposit

Wealth Management services begin at $500,000. Private Wealth Management services begin at $2,000,000. We gladly work with clients with investable assets lower than these minimums under certain conditions. Contact us to learn more,

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