Wealth Accumulation, Asset Protection, and Planning

Let Us Create a Wealth System for You

Time doesn’t stand still, and neither does money. That’s why you can use time to your advantage when investing for wealth accumulation.

Our clients are looking for a lowered risk and upside potential. We do not want to take a step backward in our net worth because of undo risk or volatile economic times.

Statistics reveal a sobering situation: The stock market goes into recession every 8 years and takes 18-24 months to recover.

Our job is to keep away from such volatility so you avoid as much risk as possible.


How do we accomplish this?

We create a system that has only a portion of your assets invested in the stock market. Other allocations should be set aside for more conservative investments and/or secured income contracts. After all, the last thing you want to do is lose wealth during the next market correction.


Asset Protection

In the past a system called Modern Portfolio Theory, where you diversified among asset classes was enough to keep your holdings safe.

Not anymore. Assets move too much in tandem with each other. Everything loses or gains. And when they lose watch out.

In 2008 the market dropped 40% requiring a 67% gain to recover.

In recent years, we’ve seen that aggressive and conservative products, both domestic and global, can move in tandem with one another. In other words, we have experienced market scenarios in which there is very little safety anywhere—even for diversified portfolios.


Twenty-first century asset allocation calls for more than just strategic asset allocation.

We have introduced the concept of Product Allocation to our clients—buying instruments that can protect your portfolio from negative returns early in retirement—is generally considered a more effective means of protecting assets.

Diversifying your retirement assets among a variety of vehicles—both insurance and investment oriented, depending on what is appropriate for your situation—may offer you the best chance of meeting your retirement income goals throughout your lifespan.

In the U.S., we have entered an environment of rising taxes. That’s why it’s important now, more than ever before, to incorporate tax planning into your portfolio and all of your financial decisions.

Investing in a tax-deferred vehicle means your money will compound interest for years, unfettered by income taxes, allowing it to earn interest at a faster rate. While very few investments avoid taxes altogether, many allow you to defer paying them until retirement – when you may be in a lower tax bracket.


IRA & 401(K) Rollovers

When you change jobs or retire, there are four things you can do with the money in your employer-sponsored retirement plan:

  • Leave the money where it is
  • Take the cash (and pay income taxes and perhaps a 10% federal penalty tax if you are younger than age 59½ )
  • Transfer the money to another employer plan (if the plan allows)
  • Roll the money over into an IRA

Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement. We can help you determine if a rollover is the right move for you, and we can help find the best vehicle to help conserve and grow your rollover assets.

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