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Tax Efficient Portfolio Management |
| We want you to keep as much of your hard earned money as possible. We will help you develop a strategy to manage your assets that's both tax efficient and inflation- protected and customized to your individual situation.
Our Prime objective is capital preservation and capital appreciation of your managed portfolio in a tax efficient and inflation protected way under various market and economic conditions. Our investment strategies are guided by these core beliefs: Global Diversification We believe that strategic asset allocation is the most important determinant of a portfolio's risk and return over time. We design globally diversified portfolios that cover the major asset classes of domestic and international equities, fixed income, alternative investments, and cash. We use a disciplined approach employing strategic and tactical elements in constructing and monitoring our allocations. In designing our portfolios we take into account trends such as the rise of alternative energy, the emerging middle class in developing countries and the transformation of world trade and globalization. Capital Preservation We believe our job is to protect and build your wealth. We do this by identifying short and long-term risks, and designing strategic portfolios to prudently manage these risks in order to preserve your capital today and grow your assets in the future. We use our globally diversified approach because it emphasizes risk management. Controlling the Impact of Expenses, Taxes and Inflation We believe that the biggest enemies to your portfolio and wealth over time are the negative impacts of expenses, taxes, and inflation. We are committed to eliminating unnecessary investment costs and identifying tax saving strategies that can significantly improve the chances of the success of your long term financial plan. Our Independence We are an independent firm employed by our clients only. Our independence, coupled with our compensation structure, allows us to seek out best-in-class investments to meet your needs. We provide full transparency of costs and have no incentive to purchase investments because of fee sharing arrangements. Our structure allows us to focus on our client interests without bias or influence. Being independent also allows us to have access to a larger group of possible products and services. We have access to virtually any company’s products and services and thus bring the best of the world to the table for our client’s needs, one stop, best technology, online access and one consolidated statement at one stop. Institutional Strength Our size allows us to provide a uniquely personal experience to all of our clients. Through our relationship with LPL Financial services , we deliver the institutional support and the practicality you expect from a large international corporation. Institutional strength through an individual focus. Our independence is powered by the nation’s largest independent broker/dealer LPL as reported by Financial Planning magazine 1996-2010 based on Total Revenue. Full array of Independent research team and layers of due diligence goes into the portfolio building and strategies suggested to our clients. |
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Effective Estate and Trust Planning |
| Are you aware of the options available to pass on your wealth with the smallest tax liability and greatest benefit to loved ones? You may not or may have a plan which is simply outdated, has not been reviewed recently or does not take advantage of recent laws and legislations. We have experience working closely with CPA's and attorneys who are experienced professionals and qualified to draft from anything simple living trust* to complex Estate and Trust Planning cases. *LPL Financial Representative offer access to Trust services through The Private Trust Company NA, an affiliate of LPL Financial Four of the most important reasons you need an estate plan are: 1. To control who manages and receives your assets at your death. 2. To minimize administrative expenses and legal fees. 3. To transfer a greater share of your assets to your heirs and favored charities/causes. 4. To protect your heirs by providing them with wealth management continuity throughout your lifetime and beyond. |
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How to Protect your Financial Future |
| Life can be unpredictable. We can help you sort through contingent financial options that are designed to protect your financial security. Knowing that you have a plan and are prepared to handle unforeseen events can give you confidence.
Insurance is a constructive way to protect your future. It can help ensure that your children pay for college, that your spouse will continue to enjoy a familiar lifestyle, that your estate won’t be diminished by taxes and that you’ll be cared for if you become disabled. Do you have adequate? Life Insurance Disability insurance Survivorship Insurance Long Term Care |
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Preparing for Retirement |
| Retirement is a major concern. We're living longer-meaning we have more retirement years for which to save and invest. Inflation and Health Care expenses are raising every day. Corporate retirement plans are getting less attractive. It is only the responsibility of the individual investor for saving and investing for retirement.
The cost of your retirement depends on several factors: Your anticipated cost of living Your current retirement assets Your current retirement savings and investment programs Expected rates of inflation Your Retirement will be influenced by following factors: How effectively you manage your investments How long you plan to work |
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5 Key Financial Challenges |
| Maintaining existing Lifestyle/Income Increasing or maintaining current Asset level Minimizing Tax Liabilities Affording Health Care expenses Managing Investment Risk |
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How we differentiate ourselves from our competition |
| Our Commitment • Only work in our client’s interest, our only priority is the financial FREEDOM of our client • Unbiased advice, Research and open architecture platform to put client’s goal first • Disclose all facts / materials and act with due care and utmost good faith • Periodic Measurement of our client’s plan against goals • Make ourselves available and responsive • Transparency of fees and cost Our Strengths Too many client-advisor relationships are based on sacrifice. . Although many small firms are committed to building lasting relationships, many such companies simply don't offer the range of financial options that are available through a large multinational corporation. We believe that we have found the proper balance. Our size allows us to provide a uniquely personal experience to all of our clients. Through our relationship with LPL Financial services , we deliver the institutional support and the practicality you expect from a large international corporation. Institutional strength through an individual focus. That is what we bring to all of our clients: • Our independence is powered by the nation’s largest independent broker/dealer LPL as reported by Financial Planning magazine 1996-2010 based on Total Revenue. Full array of Independent research team and layers of due diligence goes into the portfolio building and strategies suggested to our clients. Serving more than 11,000 independent financial advisors and over 6,000 branches. I t brings CONFIDENCE to our clients. No Proprietary Products to Push. • Being independent also allows us to have access to a larger group of possible products and services. We have access to virtually any company’s products and services and thus bring the best of the world to the table for our client’s needs, one stop, online access and one consolidated statement with the best at one place. It brings CONFIDENCE to our clients. • Our recommendation and strategies are driven by client’s goals and objectives not by how the advisor is being compensated. There is no incentive or encouragement for us to recommend a portfolio that is not best suited for our client’s goal. No Proprietary Products to Push * Visit http://lplfinancial.lpl.com/  About LPL: LPL Financial is one of the leading financial services companies and the largest independent broker/dealer in the nation*. For more than four decades, the firm has served as an enabling partner, supporting financial advisors in their goals of protecting and growing their clients’ wealth. A chief objective of LPL Financial is to reduce the complexity of running a financial services practice so advisors can focus on what they do best—help their clients attain their financial goals and fulfill their dreams. With headquarters on both coasts, LPL Financial supports financial advisors in helping their clients by offering a robust mix of services and tools such as: • Enabling technology • Comprehensive clearing and compliance services • Practice management programs and training • Independent research • Transparency of fees and cost LPL Financial understands that providing Americans with unbiased investment advice is critical to their financial security. Because the firm has no proprietary products to sell, LPL Financial advisors can provide truly unbiased, conflict-free advice and investment recommendations. Thousands of financial advisors nationwide rely on LPL Financial to help meet their clients’ financial needs. They do so by using the firm’s tools and resources that help them discover their clients’ priorities, dreams, and passions; analyze and develop financial plans that support every stage of their clients’ lives; and make product recommendations that put clients on the path to pursuing their goals. * As reported in Financial Planning magazine 1996-2010, based on total revenues |
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