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Each phase of life has its unique challenges, and some of those are financial. Circumstances and needs change over time, each different and complicated in its own way. Whether you’re trying to decide on a critical retirement decision, planning on becoming a Florida resident or caring for your parents in their later years, you’ll be able to make better choices if you’re well-informed. Let us help you to build an understanding of the various challenges and opportunities you’re likely to face in the years to come.
A 49-year-old going through divorce needed to reevaluate her financial future with new, realistic assumptions. Working with us, she estimated her future needs and got organized. Our Certified Financial Planner™ built a long-term financial plan which allowed her to afford raising her teenagers, and eventually, to retire comfortably. The client’s divorce lawyer utilized the financial plan projections to bolster our client’s demand for robust alimony and child support payments. We are experienced in helping clients that have faced the unfortunate turbulence that divorce can bring, and the financial decisions that need to be made – we understand how best to navigate what could be some of the most important decisions of your life.
If you are facing divorce, we can help bring clarity to your future with a sound financial plan. Call us, and set up an introductory meeting to learn more.
Northern states like New Jersey, New York, Connecticut and Michigan are losing thousands of residents every year to the Sunshine State. Getting your residency established in Florida correctly is essential if you want to leave your high-tax state behind. We have more than two decades of experience advising newcomers regarding Florida residency. Call us to set up a meeting, phone call, or video conference.
Senior executives have unique financial circumstances that are specific to their corporate benefits package. This is especially true when a ‘golden parachute’ or other exit package is part of a retirement scenario. We help busy people navigate this complexity, and help reduce the stress it can cause. Contact us to discuss your situation.
If you are planning to sell a strategic financial asset, talk to us first. Our experience, combined with your tax advisor’s input, will help maximize the after-tax proceeds of your asset sale. To discuss your specific situation, contact us at 772-888-3757
Hurricane Sandy destroyed the waterfront homes for two of our best Northern clients. For them to avoid selling taxable stocks to pay for major repairs, we advised both couples to pledge their eligible investments and establish securities-backed credit lines. Unlike their neighbors who were forced to sell assets or wait for insurance payments, our clients were able to act quickly and secure general contractors to begin rebuilding because they had cash readily available from their credit lines. We advise many clients in hurricane-prone regions to consider a stand-by line of credit before the storm.
After a hurricane, you want to be among the first to schedule contractors to complete your repairs. To make sure you have ample resources available, contact us to perform a hurricane liquidity assessment.
We believe philanthropy is much more than writing a check or donating stock. It is important to have a strategy for gifts of significance. If you are planning to donate $20,000 or more this year, contact us to make sure you are getting the maximum benefit from your generosity.
According to LendEdu.com, a four-year private university education now costs an average of $220,366. If you are facing high education costs for your children, or are helping education your grandchildren, talk to our planners about the most tax-advantageous ways to approach college funding.
For corporate executives, personal wealth is frequently tied to performance of the company’s stock. Every year, executives make unforced errors in the management of their stock options, their company stock accumulation plan, or employer stock inside a 401k plan account. Avoid these costly mistakes by contacting us for an assessment of your specific situation. We will guide you through the maze of employer stock decisions you must make.