Advanced Planning
Advanced planning is the strategic use of legal, tax, and financial tools to enhance, protect, and transfer wealth—especially for high-net-worth individuals and families. It goes beyond basic financial planning by addressing complex needs like estate structuring, tax mitigation, asset protection, charitable giving, and business succession in a coordinated, forward-looking way.
Infinite Banking
A strategy that uses a whole life insurance policy to build cash value, allowing you to borrow against it like your own personal bank. It offers tax advantages, liquidity, and control over your capital while still providing a death benefit.
Long Term Care Planning
Prepares for the potential need for extended care due to aging, illness, or disability. It helps protect your assets and ensures you receive quality care without burdening loved ones.
Asset Protection
Involves legally structuring your wealth to shield it from lawsuits, creditors, or unforeseen claims. It’s a proactive way to preserve your financial security and legacy.
Tax Optimization
Strategically structures income, investments, and expenses to minimize tax liability while staying compliant. It enhances after-tax returns and supports long-term wealth growth.
Business Succession Planning
Ensures a smooth transition of ownership and leadership when a business owner exits due to retirement, death, or sale. It protects business value and aligns with personal and family financial goals.
Estate & Legacy Planning
Coordinates how your assets are transferred during life and after death to preserve your legacy and minimize taxes. It reflects your values and ensures your wishes are carried out efficiently.
Philanthropic Planning
Aligns charitable giving with your financial and legacy goals to maximize impact and tax benefits. It can involve donor-advised funds, trusts, or foundations to support causes you care about.