Summary of our Services

Overview

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401(k) Advisory Program

Currently open to participants in the 401(k) program of General Electric and Lockheed-Martin. Under this program, we assist you in maximizing the value of your retirement fund by carefully monitoring the markets for your company's stock and other investment options, and immediately alert you when conditions dictate a change in investment mix. The purpose of this program is to help you accumulate enough in your plan so that you will be in a position to retire comfortably when the time arrives.

Disclaimer: We are in no way affiliated with, sponsored by, or connected with any of the companies whose plans we offer advice on. Details on this program

Asset Management program

Our asset management program is unique because it offers full asset management on a non-discretionary basis. Each investment decision is pre-approved by you and you can make your own trades and changes to the portfolio.

Each portfolio is individually tailored for each client. Because we are paid a fee based on the value of the account, we have just as much incentive as you to grow the value of your account, and we are just as concerned as you about potential pullbacks in the market.

Securities offered through International Equity Services Inc., 120 Bloomindale Road Suite 3400, White Plains, NY 10605, Member FINRA & SIPC

Financial Planning Services

Encompases a wide range of services which can be used separately or in any combination to meet your individual needs.

The cost of developing a financial plan depends on the complexity of your situation. Generally a financial planning fee is agreed upon in advance and the client pays us a retainer. We then develop and implement the complete financial plan over a series of financial planning meetings.

For each subject (module), a report is prepared, and when the details have been worked out the appropriate documentation is then implemented.

If you are an investor with us, most of the financial planning is done at no cost to you, since we are already receiving an portfolio design and implementation fee. This of course depends on the complexity of your situation, and the assets under management.

For more information, or to request an estimate for your specific situation, please call us at 1-800-259-7130.

Retirement planning

Planning for your retirement encompasses many facets, including a plan for what you will be doing after your retirement date. In planning for retirement we are not only concerned with making sure that there are sufficient assets to do the job but that such things a pensions and 401K plans are maximized and that Taxes are minimized.

Creating a system of income and an automated asset management process is also important, since retirees often travel and may not always have time to monitor their savings. There are many other items that are addressed, such as what pension option to elect, whether or not to take out you pension contributions in one lump sum, what to do with your 401K, whether or not you qualify for preferential tax treatment, and countless other details.

Estate planning

A complete estate planning analysis will be done to evaluate and minimize your potential estate tax exposure, and protect against the forced sale of assets in the event of your death. A review of your existing legal documents such as wills and trusts will be done, to make sure they are drafted properly and are in harmony with your overall estate plan. In addition, we also explore other estate planning strategies, such as the execution of living wills and/or living trusts and making transfers of property during lifetime.

Finally, we address the living side of estate planning, including expression of your wishes for medical care, management of your assets while you are traveling or taken ill, and protecting your assets in the event you require long term care.

Tax planning and minimization

Often, prospective clients wonder how we accomplish tax reduction, and see things that your accountant does not.

This can be accomplished by strategies that may include:

Reducing taxable gains or income.

Shifting savings to vehicles designed to provide tax relief.

Taking advantage of government tax credits.

Making better use of existing programs.

Your accountant is a tax preparer. By the time you visit with this person, the result of the tax return is already pretty much decided. A planners work starts on January 1, and continues throughout the year, so that the accountant's work can be more fruitful.

Especially during your retirement year you will be subject to an unusually high tax exposure due to pension distributions, vacation pay, and other exit benefits. Short-term tax strategies can alleviate this situation. It is imperative to develop tax strategies now, to generate tax benefits for the future in order to reduce the taxation of your retirement income (particularly IRA's, TSA's, 401K's KEOGH's and deferred compensation). .

Insurance planning

A review of your life insurance will determine whether the costs are in line with the protection provided, and whether you have the proper coverages. Employer plans will be analyzed and coordinated with personal insurance to minimize costs, and guarantee financial stability in the household in the event of death. Since insurance adds to the size of your estate, we may recommend the use of trust documents to minimize your estate tax liability.

A review of your casualty insurance will be made to determine if your coverage is adequate, if any collectibles or valuables you own are protected, and if your premiums are competitive.

Your most important coverage is for liability. Anyone can be involved in an accident, and with today's negligence laws, an accident can devastate a family's savings. We will carefully review your present coverage, and provide recommendations as to how to make it more complete. Details

There are many other forms of insurance, such as Nursing Home insurance details, Income Continuation insurance, Buy/Sell Agreement insurance for the self employed, Umbrella Liability insurance, and others. You will be provided with a coordinated insurance plan that includes all necessary coverages.