Advanced Issues for the Affluent

Addressing the financial complexities of wealth

We understand that the needs of high-net-worth investors and, in particular, of corporate executives are often challenging. Our clients have worked hard to achieve success, and we work just as diligently to preserve their assets to meet today’s needs as well as tomorrow’s goals.

That’s why we focus on minimizing risk through conservative vehicles such as bonds* and other fixed income products. And to help ensure our services complement our clients’ full range of planning needs, we specialize in working closely with their CPAs, attorneys and other professional advisors.

Transferring your wealth and preserving your legacy

Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can ensure that your assets accumulated over your lifetime are protected and preserved for the use you have intended.

A poorly developed estate plan can cost a family a substantial amount of money in unnecessary taxes. We can offer financial solutions to efficiently manage the transfer of wealth, and its related tax issues, from one generation to the next.

By coordinating our efforts with your tax and legal professionals and working closely with you and your family, we will strive to help you establish a financial tradition that can be passed on for generations.


Helping you prepare for the unexpected

We believe a comprehensive financial plan must consider – and prepare for – the unexpected. Our team helps you think ahead and consider different scenarios, then prepare contingency plans to address them. We understand that while risk cannot be eliminated, it can and should be mitigated.

Our risk management services:

  • Life insurance for income replacement
  • Annuities
  • Long-term care
  • Disability insurance
  • Liability insurance


College planning

If your goals include providing for the future of a child or grandchild, we can help you investigate your many options and develop an education funding strategy.


Charitable giving

Philanthropy can bring personal satisfaction, enabling you to support causes and organizations that matter most to you. It can result in significant tax advantages, as well – including income tax deductions, reduction of capital gains taxes and lower estate taxes.

We can help tailor a charitable giving plan for you that can include one or more of the following forms:

Outright gifts
Benefits charities immediately and creates a gift tax deduction.

Will or trust bequests and beneficiary designations
Through your will or trust document, or beneficiary designation form, the charity will receive the gift upon your death. Your estate is then entitled to income and estate tax deductions.

Charitable trusts
You can name a charity as the sole beneficiary or name other, noncharitable beneficiaries as well. The most common types of trusts used to make partial gifts are charitable lead trusts and charitable remainder trusts.

Private family foundation
You create a foundation and transfer assets into it. The foundation then makes grants to public charities. You and your descendants have complete control over which charities receive grants. (Unless you contribute enough capital to generate funds for grants, the costs and complexities may outweigh its benefits.)

Community foundation
A community foundation accepts donations from many sources and is overseen by individuals familiar with the community’s needs and professionals experienced at running charitable organizations.

Donor-advised funds
A fund held within a charitable organization. Once you transfer assets to the account, the organization becomes legal owner of the assets and has ultimate control. You may advise, but not direct how your contributions will be distributed.



* Bond prices and yields are subject to change based upon market conditions and availability. If bonds are sold prior to maturity, you may
receive more or less than your initial investment. Holding bonds to term allows redemption at par value. Bond prices and interest rates have an
inverse relationship.