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We will take the time in our initial meeting to discover if there is a good fit. Due to the customized level of service, and the long term commitment, we are unable to work with everybody.
We have found that our firm best meets the needs of individuals that want help with The 13 Wealth Management Issues.
Research indicates there are 13 wealth management issues that are critical to the financial well-being of all financially successful individuals and families. So by definition, a comprehensive wealth management plan is not complete until it considers all 13 issues. A disciplined three-step approach to addressing the 13 issues has been proven to help ensure wealth is managed holistically, effectively, and efficiently.
1) Identify the issues that have already been addressed or do not pertain.
2) Prioritize the issues that remain.
3) Take action regarding the issues that are most important.
KEYSTONE FINANCIAL STRATEGIES
"Solid Financial Advice"
Securities & Advisory Services Offered through:
American Independent Securities Group, LLC Member FINRA/SIPC
1036 East Iron Eagle Drive, Suite 105 Eagle, Idaho 83616
Keystone Financial Strategies is not affiliated with American Independent Securities Group, LLC
Keystone Financial Strategies does not offer tax advice.
© 2014 RBC Capital Markets, LLC. All rights reserved.
1) Investment Planning
An investors’ ability to enjoy a comfortable lifestyle or achieve financial security may be strongly correlated to effective wealth building and preservation. So it may be practical for investors to seek professional assistance managing risks and evaluating asset allocations. And investors who are compensated with stock — or have more than one brokerage account — may want help identifying, liquidating, and efficiently re-investing the proceeds from asset concentrations/duplications. Some investors may also benefit from expanding their diversification and risk management approach beyond “mainstream securities” (like stocks, bonds, cash and mutual funds) to include options, structured products, private equity, hedge funds and other alternative investments.
2) Retirement Planning
Employer-sponsored retirement plans and IRAs are important tools to help prepare for — and fund — retirement. Investors need to double check that their assets are allocated efficiently and appropriately across these investment vehicles and that beneficiaries are all current. This may help ensure these tools are working hard and that there are no surprises someday for heirs.
3) Executive Compensation
Stock options may play a major role in compensation for executives. But navigating the complex Securities and Exchange Commission regulations that govern them can be challenging. Strategies to help gain liquidity from stock options and diversify these assets may be a top priority for these investors.
4) Risk Management & Insurance Planning
It takes hard work and careful investing to achieve financial success. With so much at stake, a comprehensive insurance plan can help investors protect their current assets and future holdings. Life insurance, long-term care insurance, and annuity products can be deployed in a variety of ways.
5) Debt Management
Many investors spend a lot of time and energy developing the assets side of their personal balance sheet. Managing the liabilities side is equally important. There are lots of great reasons to borrow money: home construction or real estate purchases, education expenses, business or other investment opportunities, and more. Investors who need fast, convenient access to cash may benefit from innovative credit and lending strategies that help keep assets working toward long-term goals instead of liquidating them.
6) Titling & Beneficiary Review
Titling of assets is a frequently overlooked step in a comprehensive estate plan. If not done properly, it can lead to tax and transfer issues for loved ones. Titling assets properly may help investors achieve desired results.