Comprehensive
Wealth Planning
We rely on a variety of tools to help our clients maintain order and perspective – the most important are a financial plan and a personal wealth/document organizer. We’re more likely to reach our destination if we know where we’re trying to go. A financial plan, like a budget, need not be viewed as a tool of constraint. It provides a baseline for course corrections and adjustments. Optimally, a financial plan can be a springboard for dreams and aspirations, as well as a platform for keeping us in touch with reality. Our advisory team develops customized plans designed to address the present as well as the future.
Where a financial plan is helpful in providing context of where we are headed, the Personal Wealth Organizer (PWO) is a source of clarity for capturing where we stand today. Our lives are complex. The PWO is a central location for all the elements making up our financial lives – from the esoteric, like an individual or family mission statement, to the essential, such as key contacts and passwords. Many financial advisors avoid assisting in their creation because it’s time consuming. We believe it can be an essential reference tool for personal clarity and, perhaps more importantly, our loved ones.
Investment Management
We will get to know you, your investment goals, your tolerance for risk and the time frame until retirement. Then we will take a proactive approach to diversify your portfolio across asset classes, including cash, fixed income and equities, and periodically review your portfolio, making adjustments as needed to align with your risk tolerance and overall objectives.
- Diversification among multiple asset classes
- Consideration of different styles and strategies within asset classes
- Implementation of active and passive strategies
- Strategic asset allocation adjustments
Tax Planning
Including an effective tax strategy as part of your overall wealth and estate plan may help you maximize your savings and reach your financial goals. We will work with an experienced, in-house tax team that understands the latest regulatory issues and tax law changes to create tax-efficient strategies for you designed to minimize your tax burden.
- Proactive, creative tax analysis and year-round planning
- Implementation of multi-state tax strategies including residency and domicile
- Gift and estate tax planning
- Charitable donations
Risk Management/
Insurance Analysis
Having income protection strategies in place can help you protect your family now and in the future. To build a sound financial plan, it’s a good idea to include insurance solutions such as life and property and casualty insurance. We can help you evaluate solutions and recommend options to fit your family’s needs.
- Asset and income protection strategies
- Analysis of major insurance companies and product recommendations
- Life insurance audits and long-term care expense mitigation
- Estate tax elimination strategies
Trust Services
As you think about providing for your family for generations to come, you may want to consider establishing a trust. We will work with you on strategies to help minimize taxes and maximize your potential wealth transfer and charitable contributions with the goal of helping to ensure your wishes are carried out.
- Review and advise on trust documents
- Charitable planning and gifting strategies
- Generation-skipping wealth transfer strategies
- Self-settled trusts for asset protection and efficient distribution
- Professional, experienced and knowledgeable trust management
Investment advisory services are offered through Mariner Platform Solutions (MPS); affiliates of MPS may provide other services listed and they may be subject to additional fees. Some advisors are licensed insurance agents and may be compensated for selling insurance-related products through an affiliated or unaffiliated insurance agency.
Asset allocation, diversification and other investment strategies cannot ensure a profit or protect against loss in a declining market. Investing involves risk, including the potential loss of principal. There is no guarantee that any investment or planning strategy will be successful.
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646 W. Smith Street #130,
Orlando, FL 32804