WHO WE SERVE

Our primary responsibility is to you, our Client. We are not part of a larger firm and our business model doesn’t rely on “selling products.” It’s based on providing sound advice and a high level of client service. Simply put, when you succeed, we succeed.

WHO WE SERVE

CORPORATE EXECUTIVE

Situation: A top tier executive at a fortune 500 company was beginning to reach the point of burnout after a recent merger. He had built significant wealth through his executive compensation plan, especially stock options after a big increase in the stock’s price following the 2008 financial crisis. Our executive is married with two children in college. Although we had done some planning in the years prior for college and a second home on the water, we had never really analyzed what his life may look like outside of the corporate world.

Process: After reviewing his employment contracts, there would be a very large tax event in the year of retirement from the combination of severance pay, bonuses, restricted stock and pension payouts. We purchased NAP credits (Neighborhood Assistance Program) for him with appreciated stock providing significant tax savings. We also coordinated with his company’s HR and discovered several mistakes in the analysis of his pension, deferred compensation and severance benefits. Upon his retirement, we created an Investment Policy Statement for him to guide investment and cash flow decisions over the next year and the years to come. Of equal importance, we plugged him into our network of professionals, entrepreneurs and investors to help network and write the next chapter of his life.

Engagement:

Helped educate the client about the tax credit program in Virginia.

Worked with the company’s HR department and a contract attorney to ensure that benefits were fully understood and calculated correctly.

Analyzed Client’s corporate pension to determine the optimal retirement date and pension option.

Developed a stock option policy which allowed the client to reduce single stock exposure and maximize each individual option grant over a period of 5 years.

Developed an Investment Policy Statement (IPS) which outlined the asset allocation, risk management, cash flow and growth goals of the portfolio.

Worked with a tax attorney to update the client’s wills and trusts. In addition, we funded the trusts to take advantage of probate laws. Most importantly, we coordinated the client’s other assets (insurance & retirement plans) to ensure the effectiveness of the overall estate plan..

Implemented a Donor Advised Fund, which provided a significant tax benefit in the client’s highest income year and facilitate charitable giving for the next 10 years and beyond.

Bottomline: Our client has peace of mind knowing that his plan is up to date and monitored regularly.

Serendipitous Result: Plugging client into our network of professionals led to his next career choice: a great Venture Capital opportunity.

Case studies presented are based on actual clients, however, some of the information may have been changed or altered . These studies are provided for educational purposes only. Similar, or even positive results, cannot be guaranteed. Each client has their own unique set of circumstances so products and strategies may not by suitable for all people. Please consult with a qualified professional before implementing any strategy discussed herein. No portion of these case studies is to be interpreted as a testimonial or endorsement of the firms’ investment advisory services.