Three Phases of Wealth

Accumulation • Distribution • Conservation

Accumulation

In the wealth accumulation phase, your earned income is saved for both current and future needs and desires. While in this phase, many wealth-eroding factors could interfere and prevent you from trying to build the maximum wealth possible. The factors and problems you may face are…

Problems

•  Cash Flow Shortage

•  Debt

•  Increasing Taxes

•  Income Taxes

•  Inflation

•  Market Fluctuations

•  Interest Rate Changes

•  Lawsuits

•  Lost Opportunity Costs

•  Fees & Charges

•  Loan Interest and More

Some of these problems could be accentuated by utilizing certain traditional financial strategies such as compounding interest, dividend and capital gain reinvestment, tax deferred retirement plans such as an IRA, 401(k), prepaying mortgages, saving money for college education and many others. While many of these strategies may have advantages, they may also have disadvantages that you may not be aware of.

Using the PS&G Model® and Wealth In Motion® software, we will assist you in measuring and coordinating the financial decisions to help you solve these problems.

Our primary objective is to provide you with strategies to help you minimize problems and protect and grow your wealth to meet your financial goals.

 Our objectives are to help you:

•  Reduce Income Taxes

•  Reduce Market Risks

•  Reduce Debt

•  Improve Cash Flow

•  Avoid Lost Opportunity Costs

•  Increase Rates of Return

•  Increase Protection from:

•  Lawsuit

•  Death

•  Disability

•  Fully Control Assets

•  Eliminate Unnecessary Fees, Costs and Charges

Wealth Distribution

During the wealth distribution phase, some people no longer work and earn an income. They are usually in retirement and their assets are now producing the income for them to live on. Serious financial issues could potentially derail ones retirement if strategies are not designed to work under fluctuating economic conditions and help solve the problems that may arise…

Problems:

•  Income Taxes

•  Increasing Taxes

•  Interest Rate Changes

•  Market Fluctuations

•  Inflation

•  Health Impairment

•  Penalties

•  Lost Opportunity Costs

•  Lawsuits and More…

 Failing to design distribution strategies that work under fluctuating economic conditions may lead to a financial life controlled by the economic environment around you. We believe your distribution strategies should be protected during fluctuations in the economic environment, such as increasing income taxes, low interest rates, a volatile stock market etc.…

Our objective is to provide you with strategies and solutions to help you protect what’s important to you. Together we will work on achieving the following objectives…

Our objectives are to help you:

• Reduce Income Taxes

• Reduce Market Risks

• Minimize Financial Risk

• Avoid Lost Opportunity Costs

• Reduce or Avoid Penalties or Charges

• Reduce or Avoid Restrictions and Loss of Control of Assets

• Provide Long Term Financial Security and More…

Wealth Conservation

During the wealth conservation phase, the major concern for most individuals is how to efficiently and effectively pass on their wealth to future generations and charities. Many pitfalls can arise that prevent the smooth and effective transition of wealth to the next generation. Some of the problems you and your estate may encounter include…

Problems:

•  Estate Taxes

•  Income Taxes

•  Complex Estate Plans

•  Irrevocable Decisions

•  Lost Opportunity Costs

•  Restrictions

•  Penalties

•  Market Fluctuations

•  Forced Sale of Assets

•  Life Mortality

•  Lawsuits and more…

Without wealth conservation strategies, large estates could dramatically be reduced by estate taxes, income taxes, legal fees, accounting fees, appraisals, penalties, sales charges and forced sale of assets. In these instances, there can be tremendous frustration and distress to already grieving heirs.

We can help provide solutions for a smooth and efficient transition of wealth, minimizing erosion and maximizing the potential to have control and enjoyment of assets. Working closely with you and your other advisors, we strive to help you achieve your financial goals with estate strategies that accomplish the objectives you believe to be most important for you and your family.

Our objectives are to help you:

•  Pass Estate in Full to Heirs

•  Reduce Income taxes

•  Minimize Estate Taxes

•  Simplify Estate Plan

•  Avoid Irrevocable Decisions

•  Reduce Market Risks

•  Avoid Lost Opportunity Costs

•  Avoid Penalties or Charges

•  Control Assets

•  Fulfill Charitable Bequests and more