The world of finance is ever growing and evolving, and we’re not just talking about the next hot stock tip. With the fast-changing life style, or the need to slow it down, the opportunity for understanding and clarity, you need a direction the is tailored to you.

Financial Planning is the process of organizing, evaluating and utilizing your financial resources to define and achieve your life goals, whether it is Cash Flow Analysis, Goal Setting, Personal Net-Worth Analysis, Income Tax Analysis & Reduction, Education Planning, Retirement Projections, Insurance Needs Analysis, or Estate Planning.

Depending on your stage of life your financial assets may consist of a wide range of real estate investment properties, hard assets and other investments that need attention to continue to grow. Not everyone has a stock, bond, ETF or mutual fund portfolio. You may be the person that has investments that are not a liquid as the water you drank at lunch. We work with you to incorporate and manage a strategy going forward that can help you seek the best possibility to return on your passive or active income. Developing plans to incorporate tax solutions and scale your holdings to the level you desire.

Sometimes life take a turn or you realized that life is not where it need to be. Knowing how to handle debt and your assets can be daunting. Having a strategy is key, sometimes it is the foundation to having a bright future. Knowing how to use your cash flow, in the areas of debt reduction, budget planning, or establishing savings can make a big difference.

When couples discuss money, it's not uncommon for sparks to fly and for feelings to smolder. In fact, conflict over money is one of the leading causes of divorce. Most of the time, couples don't know what to expect out of marriage – especially when it comes to money.

Here we provide you a very clear structure to with and understand your partner. What is your Natural Behavior style? Where does your partner really stand on Risk Behavior? How does control, motivation, and delegation come into the picture?

We work in junction with your other marital counselor to gain understand and provide feedback so that you can enter into marriage with confidence. Even if you have been married for a little time or 20 years, it’s good to know how your partner thinks, feels, and behaves.

The small business marketplace is still a new and fierce frontier that requires advice from advisors who are deeply entrenched in the particularities of employee benefits and wealth council. Our firm gives you an holistic approach, so your company can get the best competitive advantage. You’ve devoted a large part of your life - time, energy, and labor - to building and running your business. Whether you own a start-up or a long-standing family enterprise, you need a wealth management plan that acknowledges how much of your wealth is concentrated in your business.

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!

Helping you proactively plan your retirement, your retirement income, and efficient retirement tax planning is a key element to analyzing your finances, assets, and liabilities to determine where you might optimize your plan and execution of your retirement in the short and long-term.

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.

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 your are a Do-It-Yourself investor the same elements apply, the execution will be on your part.

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.