Nearly all of our clients go through a comprehensive planning program where every aspect of their financial life is engineered by our team of CPA’s, attorneys and planners.  This seamless approach ensures that you receive consistent advice that is unbiased, independent and best suited for you.  As a fee based organization, we eliminate the salesmanship in the financial planning profession.  Whether its protecting your assets, lowering your borrowing costs, or reducing your income taxes, we work for you - looking for money amongst the thousands of dollars you earn every year but pay out unnecessarily in taxes, interest or in settlements to solve insurance or liability issues.  Best of all, your Optimal Plan is fully integrated and coordinated all under one roof. No more endless calls to an array of different CPAs, financial planners, practice consultants, attorneys, and stockbrokers. No more hourly charges for potentially conflicting advice. No more worrying about whether you are getting the best advice that ensures your long-term success. Let us engineer the following aspects of your financial life:

Risk Management:

Insurance is an integral part of everyone’s life and more financial catastrophes are prevented when clients have comprehensive coverage that prevent risk of loss from property and casualty, auto, occupational, life and disability issues. One missing piece in this area of your plan such as umbrella coverage can spell disaster.  As part of our planning process, we audit your polices and obtain in force illustrations for your permanent contracts.  We compare these illustrations with the projections that you were provided when the policies were sold.  We ensure that your carriers are financially stable and have a consistent track record of paying their claims in full and on time. And since we do not derive any income from insurance, our recommendations on the types and levels of coverage you need are unbiased, independent and optimally suited for you.

Asset Protection:

Although having the appropriate types and levels of insurance coverage is the first step in a sound asset protection plan, not all liability issues you encounter are covered by an insurance policy.  Our goal is to eliminate any liability that you have as either a business owner and/or investor and to implement strategies that provide fail safe protection for the underlying equity in your financial life.

Entity Structuring:

Every entity structuring decision involves both tax and legal considerations. Our goal is to design an entity structuring plan that provides you with both the highest level of legal protection coupled with the most favorable tax environment. Each entity type has unique tax attributes and we fit these attributes to your financial life which ensures you are taxed at the lowest possible level on the income you earn.  We  also ensure that your overall entity structuring plan is well integrated so that all entities work together from both a legal and tax perspective.

Tax Mitigation: 

Most accountants simply prepare and file your tax returns and rarely take the time to develop a plan that mitigates the cost of taxation.  Unfortunately, taxes are the largest expense on most profit and loss statements but get the least amount of attention from you because of your inability to control this line item.  Through constant planning, coaching and guidance we are able to carve out significant savings for our clients.  We design a plan that provides enough cash flow to support your cash flow needs but is structured in a tax efficient manner and then we take the excess cash flow in your life and move this income into an environment where we have more control over how those dollars are taxed.  We provide mentoring throughout the year to stay on track. And we make adjustments as required by life events, economic changes, legislative changes and changes in the financial markets.

Estate Planning:

Estate taxes can be devastating, taking over 50% of the value of many estates after death. Estate taxes can be entirely eliminated using a variety of planning tools and techniques which may include the use of  revocable trusts, life insurance trusts, wills, and insurance vehicles.  Our use of these techniques will save as much as possible on taxes, court costs and attorneys' fees and will ensure that you are not burdened with unnecessary red tape and financial confusion.  Many advisors fail to properly fund and integrate the estate plan with the overall financial plan.  We make sure all of your assets are funded within the estate plan and that you have the proper powers of attorney and medical directives which eliminates the possibility of court appointed guardianship.

Asset Management:

All of our clients will go through a comprehensive audit of their investment portfolio. Most financial advisors place their clients in those investment vehicles that pay high commissions or they place them in preferred funds that have significant financial incentives for both the advisor and the broker. We will audit the underlying assets in every portfolio to ensure that the assets are properly allocated based upon our clients tolerance to risk. We will also compare the mutual fund investments to industry benchmarks and recommend appropriate corrective measures.

Wealth Accumulation Planning:

As a team, our objective is to shorten the time it takes you to reach your financial freedom goals by 5, 7 or more years. Based upon the amount of investment capital you have today, we will develop a plan that calculates how much you need to save today to reach your goals based upon your retirement planning horizon and a target rate of return. We establish a baseline, periodically monitor investment performance and then modify the variables that we have control over. Remember, you cannot achieve what you are not measuring today