What is our Process?
Our First Meeting
We design a financial plan
around you. It's your
plan. Your family & future. During
our first meeting we
will discuss your priorities
and suggest appropriate planning
strategies. Your plan is individualized.
Plan emphasis and areas of
detail will depend on your
What to bring:
Financial Review Checklist
Complete Finametrica Risk Analysis
Planning for retirement?
You are informed but too busy to stay on top of your investments. Sheltering
enough of your six figure income is a challenge. You are maxing out your
corporate benefits, but have you allocated these retirement assets correctly?
Are you managing your financial plan half as well as youre managing your executive position? Are your kids college savings plans adequate? Do you and your spouse have enough life insurance outside of your employers
Our clients rely on
our ongoing analysis of their
financial situation, and our
expertise to monitor and manage
their investments as they meet
Are you in the process of retiring?
You are excited about the prospect of free time, traveling for fun, having more time for yourself and your family. But, which distribution options should you elect? Should you roll your 401(k)? Can you make an election to sell company stock without paying capital gains tax? When should you plan to take social security?
We help our clients who are retiring weigh their choices and ask the right questions. In many cases, these are the most important financial decisions you will ever make.
Are you already enjoying retirement?
You have worked hard and planned well. You are looking to maximize income, but preserve capital. You are actively planning for your children and grandchildren. How long will your nest egg last? How can you earn higher rates of interest without assuming too much risk? Have you updated your trusts? Are your beneficiary designations in order?
Our retired clients rely on us to help them plan their cash flow and make prudent investment decisions. We guide them through the maze of estate planning, and keep them informed of changing opportunities.
In our first meeting we talk about investment, tax, and real estate planning. Some of our clients are interested in cash flow analysis, others are actively gifting and concerned about passing their investments to their children and grandchildren. Everyone is concerned about preserving net worth and making secure investment decisions.
Getting started is easy. We will assess your needs, your assets, your goals. We will build a road map to help you meet your goals and possibly define others. So, evaluate the following list of services and contact us to take the next step.
Investment Strategies and Portfolio Diversification
We believe in thoughtful, balanced investment strategies that evolve with your individualized needs. Careful asset allocation is pivotal to successful investment management.
Compensation and Stock Option Planning
For many individuals, stock represents a significant portion
of their compensation and
therefore, a primary source
of wealth and retirement
income. SFG can provide
the efficient tools and strategies
to capitalize on the total
economic potential of stock
options, regardless of share
Employee and Executive Benefits
Because we emphasize integrated
tax and investment planning
for our executive clientstaking
stock and stock options,
restricted securities and
deferred compensation, as well as other pension benefits into considerationSFG is
well versed in employee and executive
benefits programs. We provide
access to a wide range of best-in-class opportunities and tailor
to enhance both productivity
Wealth Transfer and Succession Planning
Financial planning encompasses the growth and management of assets and wealth, including distribution and estate transfer decisions. We believe that what you have accomplished, saved and invested should be protected, developed and grown. Your retirement assets should reach the right beneficiary while maximizing the economic value and minimizing taxation.
Estate Planning and Trust Administration
We prepare clients for wealth transfer in many ways, including a comprehensive review of the current estate plan, recommending adjustments, coordination of trust administration and preparing revised succession plan documents.
Tax Planning and Preparation
Your financial plan should include a comprehensive tax strategy that reflects your long-term goals, supports your efforts to increase net worth and protects the economic value of your assets through succession.
We believe solid administrative direction leads to confident, deliberate action. We are adept at executing on the essential activities for managing your accounts, your portfolio, your policies and your needs.
Real Estate Finance and Acquisition Planning
How much real estate should an investor own outside of their primary residence? In what form? When is it worthwhile to refinance? How much debt is prudent? What are the tax benefits of owning a second home? How should we hold title to investment real estate? These are some of the questions every client asks us, and why real estate should be covered in everyones plan.