Wealth Management Services

We strongly believe in financial planning and believe it is a "process", not a "product". Simply stated, this process involves identifying and establishing financial goals, analyzing data, and developing, implementing, and monitoring strategies. Planning is a lifelong process.

Investment planning is one element of an overall financial plan. At Capital Advisors, each client receives a personal, customized investment plan designed to meet their objectives as identified by the financial planning process. While all plans are unique, each plan has the following common elements:

• Client Education
• Asset Allocation
• Tax Management
• No Proprietary Products
• Consolidated Reporting
• Continuous Monitoring

The three basic tenants of estate planning are lifetime financial security, orderly transfer of assets and overall preservation of wealth.

At Capital Advisors, we educate and inform our clients regarding options that meet their well-defined objectives. An objective driven planning process results in a high degree of implementation and predictable results. We remove the many variables through a detailed process of analysis, which points to problems, opportunities, and solutions. This process can address the following subjects:

• Property Titling
• Asset Valuation
• Gifting (pros and cons)
• Beneficiary Designations
• Trust Options
• Asset Protection Structures
• Retirement Plan Distributions
• Non-Tax Issues
• Family Foundations
• Estate Taxes
• Generation Skipping Transfer Tax
• Estate Valuation Freeze Techniques
• Charitable Planning
• Split Interest Estate Tax Reduction Concepts
• Fractured Entity Valuation Discounts
• Intergenerational Estate Planning
• Integration with Business Succession Planning

Personal
A well designed retirement plan should integrate many of the components of financial planning -- income taxes, investments and financial modeling. At Capital Advisors, we have developed an easy-to-understand propriety financial model, which serves as a roadmap to test and answer the following questions:

• When can I retire?
• What are the income tax consequences?
• When should I take distributions from my qualified plan?
• How should my investments be allocated?
• How much risk should I be taking?

Corporate
We are skilled in the nuances of both qualified and non-qualified retirement plans. It is imperative that we understand these plans for design and implementation as well as integration into clients' personal financial affairs.

Ownership of a successful business enterprise comes with three basic rights: equity, income, and control. Many business owners have not implemented succession plans because they are unaware that these rights can be completely separated-and often are-in order to meet all parties’ objectives. Many others have not taken the time and effort to define those objectives, and the remainder often believe that no options exist to meet their objectives. As difficult as it is to grow and manage a business enterprise, the last great test of ownership is in its successful ownership and management transition. We recognize that:

• A plan must begin with well-defined objectives. The landscape is littered with failed plans that begin with products or tax planning concepts.
• Our job is to educate and inform our clients regarding viable options based upon those objectives.
• Optimum outcomes are gained through coordination with, and the consensus of, the client's other advisors.
• Our proprietary financial modeling (individual and corporate) is the road map that demonstrates options, develops consensus, and leads to implementation.

Life insurance is a financial tool that is often utilized in wealth management for its leveraging and preferential tax characteristics. The magnitude of its role in financial planning has led us to develop strong internal consulting capabilities. Insurance is a complex financial asset. During the 1980’s, new products were designed with investment like characteristics built on flexible chassis, with a multitude of riders that affect cost, risk, and return. Those features need to be monitored on an ongoing basis. Unfortunately, most products are purchased and not reviewed for many years.

We offer services to review existing policies for need, purpose, tax consequences, risk, cost, and exercisable options. We also analyze the integration of new products vs. other alternative financial instruments and techniques. This would include:

• Analyzing and comparing policy performance relative to original projections for existing policies or making comparisons of new products and testing product illustrations, company performance, and financial strength relative to projections.
• Re-engineering existing contracts to make improvements for better performance.
• Advising clients on any changes needed to achieve the intended objectives of the policy or plan.
• Comparative cost benefit analysis of a variety of financial instruments and techniques that are utilized to offset personal and corporate liabilities.
• Reviewing split dollar programs, deferred compensation funding, buy/sell funding, and other business uses of insurance contracts.