Advanced Equities Wealth Management

Using “off-the-shelf” products and services can result in conflicting objectives, disrupting your ability to reach critical milestones. An integrated financial plan, however, brings together the most important components of your economic lifecycle and sets them in motion in unison. By following a well-balanced strategy that involves business structure and tax status optimization, pension planning, risk management, portfolio design and estate planning, you may be able to most efficiently meet your needs and objectives.

Your business structure and elected tax status determine maximum allowable deductions...and different objectives demand different strategies. For example, C-Corporations can deduct Disability Income and Long-Term Care insurance premiums, while S-Corporation dividends may not be subject to Medicare tax. These factors should be considered when establishing your corporation, as well as during the setup of your qualified retirement plan and associated programs. After all, an inappropriate corporate status and a poorly designed retirement plan (based on plan contribution limitations compared to your surplus income) can cost you in unnecessary taxes and lost savings at retirement.

Life, Disability Income and Long-Term Care insurance could potentially be utilized to protect your earnings and savings. However, the key to an efficient risk management strategy is to implement it inside of an integrated financial plan while simultaneously considering your corporate structure and qualified retirement savings vehicle. Income Replacement Disability and Long-Term Care insurance premiums can be fully deducted when your business is structured as a C-Corporation. In addition, Life Insurance can be implemented with pre-tax dollars inside a qualified retirement plan. So, by acquiring these types of coverage within an integrated planning protocol, you may be able to reduce your overall costs by as much as half, depending upon your tax bracket, and still possibly achieve the appropriate level of coverage.

Because past performance is no guarantee of future results, successfully managing your own investments can be a difficult task, especially when you have a full-time career and other obligations that require the majority of your attention. Similarly, hiring a money manager to set up a static 70/30 portfolio (equities/fixed income) may not help you keep pace with your investment objectives in today’s ever-changing global economy. Advanced Equities Wealth Management's goal is to help you identify and actively manage an appropriate portfolio design. We start with an analysis that matches your risk tolerance with your expected return, and then attempt to develop a portfolio that supports your investment objectives. Advanced Equities Wealth Management works in both the qualified and non-qualified arenas, so your IRS-approved retirement contributions as well as your after-tax income are accepted as part of your overall money management strategy.

It does no good to accumulate wealth if it can be taken away in an instant. And, unfortunately, that’s just how quick it can happen without a proactive estate planning strategy. We believe taking an integrated planning approach offers you significant opportunities to safeguard your retirement savings and personal and business assets. First and foremost, you can potentially shield your earnings inside your qualified plan itself. In addition, Advanced Equities Wealth Management may be able to help you minimize and control potential liabilities through the strategic use of business structure optimization and advanced risk management techniques. Furthermore, by establishing a sound estate plan, you may be able to dissuade creditors and prevent losses to unnecessary taxes as your wealth transfers from generation to generation or to your favorite school, church or charity.