Wealth Management
A successful financial life isn't an accident. It’s the result of diligent planning, properly executed and continuously monitored and adjusted as life unfolds. Our proprietary DRIVE process is designed to elevate our clients' financial lives and create a successful, repeatable, and dependable experience that brings confidence and clarity to the financial decisions our clients face.
The DRIVE formula is:
Disciplined Investing
Risk Management
Income Tax Management
Values-Matched Planning
Estate Planning
Advanced Solutions for Executives & Entrepreneurs
FINANCIAL PLANNING & RETIREMENT INCOME STRATEGIES
Financial Planning
We utilize award-winning, avant-garde software solutions, such as MoneyGuidePro and Riskalyze, to create customized financial plans tailored to clients' resources, goals, and risk tolerances. No two plans are the same, just as no two clients are the same.
Retirement Income Strategies
Retirement in the 21st century is routinely a three-decade affair. Now more than ever, clients need a plan that can withstand the volatility and challenges that come with such extended retirement periods. We utilize our financial planning software as the base, and then we combine several different income distribution strategies to meet our clients' income goals with the least amount of risk possible.
ASSET PROTECTION & ESTATE PLANS
Asset Protection and Estate Planning are two sides of the same coin. We take care to do simple things correctly, like ensuring the appropriate beneficiaries are elected on life insurance polices and IRAs. At the same time, we also provide complex, multi-generational planning, utilizing corporate structures, trusts, and insurance solutions designed with legal and tax experts. Our primary focus is on protecting your wealth now and for generations to come.
MARKET & ALTERNATIVE INVESTMENTS
Market-Based Investments
We offer access to a wide array of market-traded investments. mutual funds, equities, bonds, exchange-traded funds (ETFs), and more.
We also have access to institutional money managers unavailable to retail investors. We have partnered with these institutional investors and research firms to help us create custom strategies that we deploy with our clients to better enable us to manage risk and capture returns in any market environment.
You’ve made investments your whole life. Work with us to help make the most of them.
Alternative Investments
Alternative Investments are defined as any investments beyond the traditional categories of stocks, bonds, and cash. Generally speaking, alternative investments don't "behave" in the same manner as market-based investments. They usually have a low or zero-correlation to the stock market as they do not move in tandem with the public markets.
The category of alternative investments is extremely broad. Until recently, they were only available to institutional investors. Now we can leverage the characteristics of these various non-market-correlated strategies to potentially enhance the returns and reduce the risk of our clients' portfolios.
Some examples of the kinds of alternative investments we work with are commercial real estate investments, oil and gas royalty programs, and private equities.
PERSONAL & BUSINESS TAX PLANS
Personal Tax Plans
Taxes are the biggest drag on most clients' portfolios, either now or in retirement, or sometimes both. Fortunately, there are many strategies and tax-advantaged vehicles available to help minimize this tax burden.
At Guideline, we take a proactive approach to tax planning. We work to balance your "tax triangle," which means we work diligently to minimize the taxes you pay on your current income, the taxes you pay while accumulating wealth, and the taxes you pay when taking income during retirement or when passing assets on to the next generation. Properly balancing the tax now/tax later/tax never approach can provide a massive boost to your wealth accumulation and preservation goals.
Business Tax Plans
Proper business tax planning involves choosing the right business structure or structures to achieve business goals. Beyond structure, there are also decisions to be made on how to take income from the business. Qualified and and non-qualified planning strategies should be considered to maximize tax efficiency. Financially, there are significant tax planning opportunities upon the disposition of a business, whether through a sale or passing it on to the next generation. We provide access to tax specialists with the expertise to help make the best decisions for your business.
INSURANCE & RISK MANAGEMENT
Insurance
Insurance, properly designed and implemented, is a core foundation of prudent risk management and successful financial planning. Life Insurance, Disability, Long-Term Care, and Business Insurance needs must be considered and evaluated in each client's unique situation.
Risk Management
Risk Management is a vital element to a successful financial plan. Most people are not even aware of the risk level in their individual portfolios, much less in their overall financial lives.
Our Risk Management process is two-fold:
Strategic Risk Management: We utilize the award-winning Riskalyze solution to identify our clients' true risk tolerances. We then integrate the Riskalyze Risk Score into the clients' MoneyGuidePro financial plan so we can create portfolios that meet their goals and stay with the boundaries of their risk tolerances.
Tactical Risk Management: We create custom portfolio solutions that have built in risk management strategies. We employ investments with principal protection features and hedging techniques, tactically managed market-based strategies, as well as alternative investments that do not correlate to public markets in a effort to further mitigate our clients' portfolio and financial plan risks.
