Family Estate Advisors’ clients rely on us for clear, data-driven investment management, comprehensive estate planning and business succession plans to maximize value and minimize tax liability. Based on your needs, we’re happy to offer our expertise in one, two or all three areas.
Active Investment Management
We’ve designed straightforward investment strategies to help you pursue your goals because we believe investing should be simple and transparent. We avoid prepackaged, overly complicated and trendy investments. That’s a sensible approach in itself, but what truly sets us apart from other advisors is our time-tested, three-step process for seeking favorable returns in any market environment. We call it Active Investment Management (AIM).
Our first step is to have an in-depth conversation with you about topics that include your financial goals, investment horizon and risk tolerance. Once we’ve determined your income and accumulation needs, we use modern portfolio theory and LPL Financial Research’s Strategic Asset Management models to determine the most appropriate initial asset allocation for you.
Pattern Recognition of Future Investment Trends (PROFIT©) is a proprietary means for determining which investments to consider for your portfolio in a flat market. Created by data-analysis expert Kevin Kip, PhD, PROFIT analyzes stock market trend data and assesses risk against factors such as leading economic indicators, the treasury yield curve, purchasing managers’ sentiment, market breadth and market valuation.
We know declines in the financial markets can be unnerving, so our process has a crucial third layer — a “downside barrier” — that guides investment decisions according to historical perspective rather than emotion. When the market reaches a previously defined trigger point, we take action to help preserve your portfolio.
Estate Planning & Wealth Preservation
Estate planning means much more than just making a will — in fact, preparing a thorough estate plan allowing for the preservation and transfer of your assets is one of the most important things you can do for your family. Our comprehensive educational process provides ways to avoid probate, eliminate estate taxes by throwing assets over the “tax wall” and treat family members fairly. We will outline the considerations for creating a living will, assigning a durable power of attorney and naming a health care surrogate to make decisions on your behalf if you’re unable. We can also help you outline your wishes for the distribution of your assets to the people and causes most important to you. If you have a family member with special needs or a disability, we aid you in making plans for their future care. We help ensure that the transfer of your assets happens quickly, on your terms and with minimal stress for your family.
Business Planning & Succession
We view business succession planning as a process, not as an event. We can review the current structure of your company and help you determine the viability beyond your ownership. If you want to grow or expand the business, we can provide options to cultivate and retain key employees and future leaders. If you have capital needs, we have business partners capable of bringing financing to you. In addition, we can help you take advantage of benefits available only to business owners, such as non-qualified deferred compensation plans, supplemental executive retirement plans (SERPs), split-dollar life insurance plans and more. We can also help you prepare for the future by creating a sound succession plan that not only provides for income during the transition period, but also anticipates and avoids potential family conflicts.