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. Retirement lifestyle is becoming more and more a forefront and a critical planning point to having a successful retirement, having conversation about the non-financial issues that can arise during retirement.

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.

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, taking a look forward and in arrears.

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!

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.