Premier Wealth Management

Balancing business success with family dynamics requires careful planning. Here’s how we support you:

• Review your business structure to help ensure it supports tax efficiency and limits liability.
• Help facilitate business lending through our custodian partners, as needed.
• Assist with developing a future exit strategy, including asset transition planning and coordination with legal and tax professionals for a unified approach.
• Conduct an estate plan review to address the complexities of a family business, with the option to involve a corporate trustee to manage family dynamics.

When life takes an unexpected turn, we’re here to support you and your family through the challenges, providing guidance and coordination during what can be an emotionally difficult time. Here’s how we can help:

• Conduct a comprehensive estate plan review, including trust structures and beneficiary designations.
• Provide guidance on Medicare and healthcare options, as well as long-term care (LTC) decisions, such as staying at home versus assisted living.
• Review company pension survivor options, life insurance policies, and annuities to support your family’s financial security.
• Create a cash flow plan to help account for increased medical expenses.
• Adjust your investment strategy to align with a revised time horizon.
• Facilitate in-person family meetings to educate and prepare a spouse and children for a more active financial role.

Planning for retirement and leaving a legacy requires a thoughtful approach when also planning for your beneficiaries’ future, especially when a loved one has special needs. Here’s how we can help:

• Develop a comprehensive financial plan taking into consideration your beneficiaries’ needs.
• Coordinate with a trustee to oversee a special needs trust, ensuring your loved one’s government benefits are protected.
• Design an investment strategy and focused on the unique financial needs of your beneficiaries.
• Conduct an estate plan review to help ensure your wishes are carried out effectively.
• Develop tailored tax planning strategies that address the specific financial needs of your beneficiaries.

If you’re looking to maximize your charitable impact while minimizing taxes, we can help:

• Create a donation strategy, reviewing gifting vehicles such as charitable remainder trusts, charitable lead trusts, private foundations, donor-advised funds (DAFs) and qualified charitable distributions (QCDs).
• Implement a tax-managed strategy, including reviewing opportunities for tax-loss harvesting (TLH) and gifting highly appreciated shares.
• Develop an estate strategy to help minimize federal and state estate taxes (including inheritance taxes where applicable) and probate costs.