FAQ Categories: What We Do

  • What support do you offer for exit planning or business succession?

    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 transitionโ€”whether you're selling, retiring, or passing the business on to family.

  • How can you help protect my business from unexpected events?

    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.

  • Do you offer executive compensation and stock option planning?

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

  • Can you help my business manage excess cash or reserves?

    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.

  • What types of business solutions do you provide?

    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.

  • Is your firm compensated through product sales or commissions?

    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.

  • Do you provide education for employees?

    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.

  • Can you review or improve an existing plan?

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

  • What is the minimum number of employees required to set up a 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.

  • Are you a plan fiduciary?

    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.

  • Do you help with plan setup and ongoing administration?

    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.

  • How do I know which retirement plan is right for my business?

    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 thatโ€™s both cost-effective and aligned with your long-term goals.

  • Impact Investing

    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 [...]

  • ESG Report & Scoreboard

    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 [...]

  • Impact Dashboard

    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) criteriaโ€”such as Racial Equality and No Animal Testingโ€”that resonate with you. The dashboard then evaluates and rates your portfolio's conformity with these chosen [...]

  • Cash Management and Lending

    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 [...]

  • Family Governance and Dynamics

    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 [...]

  • Philanthropy Management

    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 [...]

  • Management

    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 [...]

  • Integration

    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. [...]

  • Solutions

    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, [...]

  • Our Process

    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, [...]

  • Tax, Trust, and Estate Planning

    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 [...]

  • Accounts

    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 [...]

  • Trust

    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 [...]

  • Estate

    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 estateโ€™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 [...]

  • Planning

    Itโ€™s never too early to begin thinking about your legacy or to design your estate plan. Estate Planning Your legacy transcends moneyโ€”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 [...]

  • Fees

    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

    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 [...]

  • Disability Insurance

    For investment and wealth management clients, the significance of disability insurance cannot be overstated, particularly as a preemptive measure to safeguard oneโ€™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 [...]

  • Long-Term Care

    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 individualโ€™s financial stability and the well-being of their family. This type of [...]

  • Annuities

    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, [...]

  • Home Lending

    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 homeโ€™s equity, the right mortgage product can significantly impact your financial strategy. Home lending solutions tailored [...]

  • Checking and Savings

    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 [...]

  • Certificates of Deposit

    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 [...]

  • Invest for Retirement

    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 [...]

  • Increase Your Income

    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 [...]

  • IRAs

    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 [...]

  • Target Date Retirement

    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 [...]

  • Retire Early

    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 [...]

  • Reduce Investment Risk

    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 [...]