Individuals & Families

Navigating today’s complex and volatile markets can be an emotional process for most individuals.  Whether you are just starting out or if you are preparing for retirement, we are here to help you articulate your life goals and develop comprehensive financial strategies to pursue and protect those goals. 

Highly accomplished people don’t leave their goals to chance and living a dream requires more than a one-time plan.  Successful outcomes demand uncommon guidance and artistry in not only how to pursue your goals, but in understanding who you are, which goals are most important to you and helping to guide you through the uncertainties along the way. 

Core components to any sound financial plan will include:

  • Current Financial Position: The first step involves getting a snapshot of where things are today, including assets, liabilities, net worth and cash flow. Also analyzing the current investment structure.

  • Protection Planning: Financially protecting yourself and your family from death, disability, accident and illness through certain strategies such as insurance.

  • Investment Planning: Developing an approach to accumulating and managing assets in a way that helps you address your goals.

  • Tax Planning: Strategies to help you retain assets and minimize payment of unnecessary taxes.

  • Retirement Planning: Creating accumulation and income strategies that help you pursue a financially free retirement.

  • Estate Planning: Strategies for preserving and distributing assets to heirs in a way that fits your goals and desires, while minimizing estate taxes, probate expenses and estate administrative costs.

We manage financial complexity so that you experience simplicity, success and are able to focus on what really matters.

Contact us today to begin building your financial future.                                                                                                                     Photo by Visit St. Pete/Clearwater      

Business Owners & Physicians

Business owners and Physicians face additional challenges and opportunities in protecting and enhancing their financial estate. 

To run a successful business or practice, you need to understand the financial choices available to business owners.  We apply our expertise, resources and tools to find long-term solutions that can help your business grow and succeed.  We also leverage our vast network of relationships with other professionals from other disciplines (banking, tax, legal, insurance) to help address all aspects of a business owner’s or physician’s financial plan, including: cash management, lines of credits, collateralized lending, investment strategies, asset protection, risk management, tax minimization strategies, retirement and estate planning.

Financial Planning is vital for any successful business owner or physician in protecting their practice and net worth and may include some of the following elements:

  • Company Benefits

    • Life & Health Insurance

    • Disability Insurance

    • 401K Plans

    • Defined Benefit Plans

    • Executive Bonus Plans: How to reward key employees.

    • The Golden Executive Bonus Agreement: Protecting key employees with life insurance.

    • Life Rewards: Providing retirement benefits for key employees.

  • Planning for changes in ownership

  • Asset Management

    • Cash Management strategies

    • Short term investments

    • Long term investments

    • Lines of Credit

    • Collateralized Lending

  • Business Continuation

    • Asset Protection strategies

    • Key Person Life Insurance: Protect your business against the loss of key people.

    • Business estate planning: How to preserve your life's work.

    • Business continuation: Planning for your business after you're gone.

Contact us today if you are a business owner, physician or surgeon and would like to discuss ways to protect and enhance your net worth.

Institutions

One of the main roles of an Investment Consultant is assisting the board in the oversight and fulfillment of their fiduciary role in the ongoing management of the investment portfolio.  We work with your organization’s Investment Committee to design and implement an investment approach that fits with your organization’s annual withdrawal needs and your organization’s values.  We work as an extension of the Investment Committee and help you meet your stewardship and fiduciary obligations to the various stakeholders you serve.  Successfully balancing portfolio risk and return has always been a challenge.  Especially in today’s dynamic market environment you need an experienced partner in this endeavor.  Our experience can provide your organization with a sense of perspective in these volatile times.

Some of the core services provided are:

  • Assess risk tolerance, time horizons and investment goals

  • Set appropriate target rates of return for the portfolio

  • Development of a sound Investment Policy Statement (IPS)

  • Structuring an optimal investment allocation

  • Screening and selection of investment managers

  • Implementation of the investment strategy

  • Ongoing performance monitoring of selected managers and the total portfolio

  • Quarterly reviews with the board

  • Discuss recommended portfolio adjustments given changes in investment objectives, risk tolerance, market conditions and time horizon

  • Provide continuity of management process as the committee rotates

 

Contact us today if you are currently a board member for an investment committee and would like to discuss our consulting services in more detail.

If you would like our group to respond to an RFP, please submit all information to Chris.StLaurent@lpl.com.