Our Services

Net Worth Analysis

At its basic level, a Net Worth Analysis is taking an appraisal of what we own and what we owe. This view, however, often only focuses on a small portion of our wealth -- those assets and liabilities that are readily seen and quantified. Our approach attempts to consider value and grow the holistic wealth of an individual, family or business by focusing on all forms of wealth (Financial Capital, Human Capital and Essential Capital).

Retirement Analysis

One of the most common concerns of most Americans is "Will I be able to maintain my lifestyle throughout my lifetime?" It is an important question. Its answer often eludes many very bright people who may have enjoyed very good incomes throughout their working careers. There are many variables to consider: future living expenses, inflation, investment returns, tax-law changes, longevity and many "what-ifs". Objective analysis can help. But there are also non-financial issues including: changing roles at home, involvement with kids, grandkids and the community. Most people only retire once or twice. We've helped hundreds of people successfully navigate to and through retirement.

Investment Strategy

These days, nearly everyone has investments (if only inside their employer retirement plan), but few have an investment strategy. Of those who do, it is even more rare that it is built around them and their needs and objectives. A good investment strategy begins with clarity as to the eventual use of the funds (by whom, when, to what purpose?). It involves reasonable expectations of return and an appropriate tolerance for risk. And often, it involves looking beyond the traditional three asset classes of stocks, bonds and cash. Having investments is not the same as having an investment strategy!

Estate Organization

Many believe that this type of planning is for the wealthy. It is -- sometimes for tax reasons or asset protection reasons. But it is important for everyone else, too, though sometimes for different reasons. No matter what you have...it’s everything you have. Many aspects of estate planning involve the transfer of your assets and other resources to others -- a spouse or partner, kids or grandkids, friends or charities. For many, "how" that happens is as important as "how much". There may be a family member with a special need. And even the most basic estate can benefit by solid organization so that it does not leave a frustrating mess for those left behind. It is also prudent to make sure there is clear direction of who handles things while we're alive in the event we are incapacitated.

Investment Management

Managing your wealth requires a clear understanding of your overall investment objectives. Through Eagle Strategies LLC, our comprehensive investment advisory capabilities utilize a disciplined investment approach that looks beyond traditional asset allocation, while addressing important factors such as risk tolerance levels and investment time horizons.

Lifestyle Protection

While we face a number of risks in life, two key risks can threaten the Human Capital, and thus, the lifestyle of a family. These are disability and premature death. Although many have some protection against these risks, few systematically and regularly analyze their needs. As a result, many may be under- or over-insured.

Healthcare Funding

Another foundational element of a solid financial plan involves understanding the risks and providing for funding of healthcare costs. With the ever-changing health care landscape, choices are far from simple. Retirement, self-employment, changes in employment, changes in health care law and changes in personal health suggest the need for an objective review of options and considerations.

Education Financing

One important aspect of what we call "Essential Capital" is the value of an education. For years, studies have shown that those with more and better education out-earn their counterparts. Thus education can be viewed as an investment rather than an expense. Whether going back for a career-enhancing second degree, or helping a child or grandchild get a great start on life, it doesn't take long to see that the financial investment has become more significant (greatly outpacing inflation as a whole). There are a number of funding strategies and one size certainly does not fit all.

Asset Protection Techniques

There a number of "boogie men" out there. In addition to protecting wealth from unnecessary taxation, it can be important to separate the risks associated with a business or professional practice from personal wealth. And in the context of estate planning, perhaps handing over too much too soon may be worse than not leaving a child enough. In addition, many are justifiably concerned about the risks posed by creditors, lawsuits, and divorcing spouses of their estate beneficiaries. There are numerous strategies and techniques that help preserve all for which you've worked so hard.

Charitable and Legacy Design

Most of our clients are committed to their families and to their communities. They are exemplary leaders in both arenas. Many give generously of their time, talents and treasure. With that often comes a desire to perpetuate the things they care about -- family and community values. While the typical estate plan addresses only financial wealth, there are ways to keep the good things in life going. We challenge our clients to consider, "other than money, what would you like your legacy to be?"

Business Succession

In planning, for those who own or participate in a small business or professional practice, there are a number of important considerations. Few choose that path purely for the money. More often, it is a sense of freedom and an opportunity to create value in a special way that motivates such individuals. Often with the rewards of business ownership comes a sense of responsibility to see the work of the enterprise continue. There are financial considerations, management considerations, and family considerations. All of the personal planning issues noted above may be important as well. However, when the business is such a large portion of the business owner's net worth, planning is made more complex.

Key Person Insurance

Businesses and other organizations, like individuals, derive much of their value through Human Capital. And in most cases, there are a few key contributors who help the business achieve the greatest results. The successful business considers and has a plan for managing the risk of losing its most valuable resources -- its key people -- from loss due to resignation, disability or premature death.

Executive Compensation Arrangements

Attracting and retaining the key personnel of an organization is often critical to its long-term success. Whether it is the Chief Financial Officer (CFO) for a mid-sized business or the Executive Director of a large non-profit, having the right person can make a profound difference. And once you have them there, keeping them is essential. Traditional retirement and benefit plans are effective at rewarding much of the workforce, but they may not effectively attract and retain the executive leaders. Customized solutions can pick up where the traditional programs leave off.

Benefit Communication and Coordination

Today the average cost of benefits to employers totals over 29% of salary. And that cost may be rising. The sad reality is that many employees don't understand or appreciate the value of those benefits. Even in the executive ranks of a company it is very challenging to understand how to coordinate the employer-provided benefits with personal financial resources. We can assist both employers and employees in this quandary. For employees, we can help unravel the benefits already in place and integrate them into personal planning. For employers, we can help assess whether the benefits being provided are in alignment with organizational objectives. We can also assist with communicating that to employees.

For more information about how we can help you, please contact us.

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