A Different Kind of Financial Advisor
ADVICE | DIRECTION | DESIGNWealth Management & Retirement Plans
We bring our clients ideas. We deliver straightforward service. Our clients can always get a hold of us.
Clients hire us to help them make decisions about their money, their assets, their families, and their businesses. We want to be the advisor you choose to help with that.
Hiring a professional to help with the complexities of designing a company retirement plan or managing your assets is as much of aninvestment as the portfolio you hold or the assets you accumulate.
Case Study #1
A young client inherited a substantial amount of investment and real estate assets from her grandmother. Being very young and inexperienced in dealing with financial, tax, legal/estate issues, her accountant referred her to me to help her manage the assets. With the help of her CPA, we were able to shelter a substantial amount of her assets from taxation and invest them to secure her future retirement and provide current supplemental income as she was building work experience.
Case Study #2
Spouse who had been divorced for over 10 years delayed execution of a QDRO because she did not know how to pursue it with opposing counsel. We worked with her and her attorney to negotiate an equitable split and coordinated the complicated distribution paperwork between three financial institutions. We were able to successfully force six-figures of assets to be transferred into her name after decade-long delays, which allowed her to fully retire.
Case Study #3
Client was struggling to deal with the passing of her spouse over 10 years prior, and in that time, had been pressured to upgrade her fully paid off timeshare ownership interests by the timeshare company. The monthly fees amounted to just under $10,000 per month and threatened to compromise her retirement within 5 years, a major issue that had been overlooked by her former advisors. We helped the client coordinate with her other new advisors to cancel her timeshare contracts, address the income shortfalls, and help her enlist the help of her children to gain control of her finances. Additionally, we identified mistakes in how her retirement account beneficiaries were titled, which could have severely compromised the eventual transfer of assets to her adult special needs child.
Case Study #4
A physician couple who owned separate medical practices hired Point Sur Advisors to establish 401k plans for each of their respective firms. A complicating factor was joint interests in other multi-state practices triggering the need for controlled group testing and plan corrections. Point Sur Advisors helped the clients retain an ERISA attorney to facilitate plan corrections and bring them into compliance quickly, a problem that if left unaddressed could have resulted in large penalties. The same couple also had Point Sur Advisors review their old multi-million dollar whole life insurance policies which had become increasingly expensive to maintain. Upon review we were able to help the doctors convert the policies to more efficient permanent life insurance policies that increased their life insurance coverage from $6MM to $15MM (which also included $1MM of long-term care insurance each) and reduced monthly premiums by over 40%. Because of the better loan features and cash value design of the new policies, the clients were able to take short-term loans from their own life insurance cash value at a rate of 3% to 5% interest to complete construction of their new residence (far less than the cost of financing through traditional lenders).
Our goal is your success. Get started in four easy steps!
Schedule an initial consultation. You may use the scheduling link to book a time that works for you talk via phone or web meeting.
After the initial consultation, the next step is a strategy meeting to review documents and gather information.
We will present initial recommendations, confirm the scope of work, and review fees.
This is the final step to get paperwork completed, assets transferred, and get you situated with online account access and your review meeting schedule outlined.
Establishing an estate strategy is crucial, yet many wait too long to put their wishes in writing. Use this helpful guide to review your estate strategy and start conversations with your loved ones, financial professionals, and legal team.
"Financial freedom is available to those who learn about it and work for it."
- Robert Kiyosaki
"A good financial plan is a road map that shows us exactly how the choices we make today will affect our future."
- Alexa Von Tobeln
"Look before, or you’ll find yourself behind."
- Benjamin Franklin
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