Financial
Counseling
The
vast majority of our work involves speaking with clients
about financial topics and various options available. Both
economic and personal concerns enter virtually every decision
one makes. We take the time to listen, research and study
before making decisions. We also dispell myths about rules
of thumb. We don't dictate decisions to clients, rather we
provide the information so that every decision is an educated
one. Thorough explanation of any topic or procedure are available
anytime.
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Alpha
Investment Management
Top
tier performance stocks and funds are chosen using objective
research sources and state of the art tools and ratios.
Returns have been exceptional. Defining a client's risk
tolerance and informing them about the historical
range of returns can prepare clients for every eventuality.
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Tax
Planning
Management
of taxes is also an important part of return that is often overlooked.
Alpha keeps tax reporting to one consolidated statement that additionally
helps save a client money. We
use rare tax-loss harvesting techniques, impossible to do in commission
firms, to carry losses forward to cancel out future, inevitable gains.
All this takes place behind the scenes with little client interaction required.
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Cash
Flow Efficiency
Finding
out where to save, what retirement plans to use at work,
and how to derive the most tax efficient income at retirement
from different types of accounts.
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Retirement
Forecasting
Are you on track to retire at the age you desire? What type of retirement lifestyle can you afford and how to deal with those complicated retirement and stock option plans.
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Insurance
Counseling
It
is important to know what types of risks you face at different stages of
life. Over-insuring in one area can leave you uninsured in others. Often,
more money is spent on insurance than necessary. We base our insurance
recommendations on needs and prudent planning. We adhere to strict guideliness
of ethics since, in our experience, insurance has been misused and oversold.
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Estate
Planning Strategies
Clients need to know what estate planning they need to do and what may not be necessary depending on their individual circumstances. We can arrange a complimentary meeting with a local attorney or meet with your existing counsel to make sure your financial goals coincide with your estate planning desires.
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Past
Client Financial Makeovers
In
the past, clients have consolidated accounts with us, and had us analyze
the account holdings and asset allocation. We do not instantly sell everything
in any accounts. We study each investment for performance, tax implications,
and portfolio fit before making any recommendations. Many of our clients
end up retaining some of their initial holdings. We also cover all five
areas of financial planning and help allocate existing company retirement
plans, shop for inexpensive insurance, if needed, and meet with their personal
legal and tax advisors to confirm congruence of all plans.
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