Being a parent or a care taker of a loved one is hard enough, but when special need arise, the caring for can be challenging. Becoming savvy about the financial options are needed to care for your loved one in today current landscape and also once your are not able to do so. Educating you on solutions that make since for you and your loved one can bring a peace-of-mind. We work along side other advisors to bring the best possible outcome for years to come. We’re her to help with guidance on what financial planning can be, and how it can help you succeed.

Blended families bring a different “persona” to the table. A mix of assets and debts, established careers, and firmly entrenched financial habits — not to mention kids from a prior relationship. But they also bring life experience and a desire to build a healthy financial future.

Being the sole income and provider for your family can be stressful. As a single-parent household you may have a trickier time managing finances than a two-income family. The fall-back of a second income is likely non-existent. Despite this challenge, financial planning isn‘t impossible for a single parent to do.

We come alongside you to help navigate through the many challenges that you face. We bring to you a process of organizing, evaluating and utilizing your financial resources to define and achieve your life goals. Teach you how to use your resources. Helping you build a Personal Net-Worth, and utilizing financial, retirement, and estate planning tools to make sure that your family is taken care of.

Transition is hard and having peace of mind as you learn to navigate new waters, surroundings, and learning how to explore new frontiers. We are here to assist in guidance for you during this transition. Educating you on what is possible in an ever-changing financial world. Providing you with the necessary tools to meet and exceed your financial goals.

We help turn your nest egg into a reliable income stream. Our approach is backed by decades of academic research and helps you keep your taxes low, reduce costs, maximize your investment return, lower portfolio risk, & preserve your savings.

Our approach also takes into consideration your other income sources. Things like Social Security, Pensions, Rental Income, Required Minimum Distributions, and more. We carefully coordinate all of your income streams to help make sure you don't pay more than your fair share of taxes.

Why?

Because it's very possible to be in a higher tax bracket in retirement than as a working professional. Keeping taxes low throughout retirement is one of the key ingredients to a successful plan.

Astute management of your investments over time is essential to helping you achieve your financial goals. As part of our investment consulting process, we create a personalized investment plan tailored to your specific needs and risk tolerance.

Our Asset Management Service covers the day-to-day oversight of your investments, and may include any of the following elements:

Personal Profile - Investment Policy Statement - Investment Manager Due Diligence - Asset Allocation and Portfolio Construction - Institutional Quality Implementation - Ongoing Assessment - Periodic Rebalancing as your plans dictates.

*If you are a Do-It-Yourself investor, the same elements will apply, the execution will be on your part to carry out.

ADVANCE PLANNING

You have worked hard to build a solid financial foundation and you want to be sure that your family will benefit from your legacy, now and in the future. If you have thought about creating a trust for yourself or your family, or if you are currently managing a trust as a trustee, Stonebridge draws on a powerful array of global resources to meet the complex needs of families. Our team will define your needs through feasibility studies to match your goals against various planning solutions. We will develop advanced case design including proposals and illustrations for you and identify characteristics to ensure that it enables you to minimize the impact of taxes on your estate and can also help protect your assets from unexpected health, personal and business risks. We work with your attorney to assist in development in these legal details and in implementation

LIABILITY & RISK

There is nothing worse than working hard all your life to accumulate a comfortable retirement only to have it disappear due to a long-term illness, health catastrophe or a prolonged legal battle. Even worse is to have Uncle Sam become your largest heir.

Our Asset Protection Service essentially combines the Insurance Needs Analysis and Estate Planning services above into a “mini plan” whose objective is to protect what you’ve built thus far, and continue to protect what we accumulate for you together in the future. For those clients wishing to leave a legacy representing their values, we help create a thoughtful, flexible estate plan to direct your wealth according to your wishes. We work closely with your CPA and Attorney for tax and legal assistance in this area of planning.

Helping you proactively plan your taxes, tax planning analyzes your finances, assets, and liabilities to determine where you might optimize your taxes in the short and long-term.

From timing your income and purchases to plan in your expenditures and investments. Even the type of retirement plan you choose must match your overall financial plan.

Tax planning cover several considerations. There are certain tax strategies that you should take advantage of, and also some you should avoid. The selection of investments and types of retirement plans must complete compliment the tax filing status and deductions to create the best possible outcome!