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ESTATE PLANNING
It is very important to
develop and implement a comprehensive estate plan. We work with your
legal counsel to assist in this aspect of personal finance. For many
people, the biggest tax they will ever pay will be incurred when their
estates pass on to their heirs. There are many techniques that can be
used to minimize this tax, including a systematic gift giving program
that enables you to transfer a substantial part of your estate while you
are still alive. We can help develop a realistic plan for giving that
takes into account your particular circumstances and desires.
RETIREMENT
PLANNING
Recent changes in tax laws
make pre-retirement planning an increasingly complex task. We help our
clients set up a plan for financial security and independence using
whatever techniques the tax law provides, whether the objectives are
income, spending or efficient distribution of retirement assets to the
nest generation.
TRUST
SERVICES
Most investment plans call for
the use of trusts in one form or another. We work with your legal
counsel to help you choose, set up and maintain appropriate trusts. We
can act as investment advisors to your designated trustees. Where we do
not play that role, we can help you choose and monitor the performance
of trustees to help ensure that your financial objectives continue to be
met.
INVESTMENT
PLANNING
Analyzing each client's
current situation and future goals is the first step we take in
preparing a customized investment plan. To do this, we assess the impact
of many factors, including:
cash flow needs / estate
planning issues / investment time horizon / tax implications risk
tolerance
After the resulting investment
plan has been designed and presented by our team, and approved by our
client, we implement the plan.
Following the initial
implementation of the plan, our tem of investment professionals
continues to work actively for our clients' interests behind the scenes,
analyzing market conditions and monitoring specific investment
opportunities.
We conduct periodic portfolio
reviews and maintain ongoing personal communications to keep each client
informed and involved. We also invite client input, encouraging our
clients to keep us informed as any questions, concerns, or or
significant financial developments occur. We may recommend investment
changes when a client's situation or objectives change as well as when
as opportunity arises to maximize investment performance.
We also provide a confirmation
of each portfolio transaction, monthly and year-end portfolio statements,
quarterly performance reports and year-end tax reporting on your investments.
TAX
PLANNING
One of our most important
tasks is to help you coordinate your personal finances by working with
your other advisors. for example, we work with your tax advisors to help
achieve tax efficiency in executing your investment plan.
 
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