Clear and actionable insights on wealth management from Capital Advisors, Ltd.
| by: Holub, Rob
The new decade brought with it a new tax law, the Further Consolidated Appropriations Act (better known for its non-acronym-based title, the SECURE Act) which became effective on January 1, 2020. This...
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| by: Holub, Rob
Illustration by Dave Urban A lesser known impact of the 2017 Tax Cuts and Jobs Act was the change in provisions of 529 plans. Named after its tax code section, a 529 plan is a savings vehicle tra...
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| by: Abrams, Zachary
Between cable news, social media, and the profitability of selling fear, it's easy to get lost in the noise and think the world is in a bad place. It also doesn't help that the market ha...
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| by: Creviston, Nathan
When it comes time for business owners to transition their ownership, they face a multitude of choices to convert their equity into a lifetime stream of income for themselves and their families. This...
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| by: Creviston, Nathan
Retirement presents the opportunity for more leisure time for things like golf, tennis with a spouse, or travel. Unfortunately, retirement will likely not be 30-40 years of tennis, and travel. The...
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Many firms call their services wealth management but really only provide investment management with some window dressing. That may be what you seek. But if what you require is wealth management defined as integrated financial planning, of which investment planning is just one important component, you will want to dive deeper. Wealth management should also include retirement, estate, income tax, corporate executive, business succession, and insurance/risk management planning. If these are services you require, be sure your advisor has the professional skills and experience to provide them.
Ask to see sample output such as sample investment update reports and cash flow pro forma that are critical to making investment, retirement, estate, and tax planning decisions. Ask about the frequency of reporting and contact. Additionally, ask who will be on your service team, so you are assured that you can always speak to professional staff members who are intimately familiar with your affairs.
Do they consider and report on investment assets, which are held or managed by other firms – for instance in your retirement plan? In order to properly allocate a client’s portfolio for optimum outcomes, all assets must be considered as a whole.
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