Financial Services
We Help by Understanding your Goals
Wealth Preservation
Financial Guide Solutions designs and implements effective structures to assist our clients to protect those assets they have worked so hard to acquire.
What keeps many high net worth individuals up at night is the potential loss of personal assets to unforeseen creditors and disgruntled investors or shareholders. Our highly litigious society, coupled with the uneven state-by-state protections afforded individuals make asset protection planning a key part of each high net worth individual’s overall financial planning.
Working with our clients’ legal and tax advisors, Financial Guide Solutions designs and implements effective structures to assist our clients to protect those assets they have worked so hard to acquire.
Our strategies have their origins in three main bodies of law:
- Statutory: Primarily through structures created by Congressional mandates.
- State Law: Utilizing a multitude of asset protected structures granted within certain states, including Family Limited Liability Companies, Homestead properties, annuities, and select life insurance policies.
- Trust Planning: Through the use of a variety of asset protected trusts.
Financial Guide Solutions Advisors and its affiliates and associates do not provide legal advice or services. Please consult with your own legal advisors regarding your particular circumstances.
Retirement Planning
No matter how far off retirement may seem, it’s never too early — or too late — to begin preparing for your future. Our comprehensive services integrate all aspects of our clients’ financial picture in a coordinated effort to provide for financial clarity and multi-generational wealth.
Our firm takes pride in providing comprehensive retirement planning services to our clients. We review our clients’ wills, estate plans/trusts, taxes and insurance. Our comprehensive services integrate all aspects of our clients’ financial picture in a coordinated effort to provide for financial clarity and multi-generational wealth.
We Offer:
- Insurance Planning
- Beneficiary Review
- Retirement Planning
- Financial Needs Analysis
- Analysis of Present and Future Expenses
- Estate Preservation
- Income Planning
Just imagine a complete portfolio, where all your financial, estate and tax preparation needs are addressed in a customized binder. This is your comprehensive retirement plan. Our coordinated approach is developed using an all-inclusive view. Our experience shows that our clients’ needs are best met by focusing on processes and most importantly, people.
Long Term Health Care
Long term care is generally increasing as are lifespans, so your need to plan ahead for care has never been more important. LTC insurance helps you protect your assets from being used by providing a pool of benefits you can use to help reimburse your expenses for care.
The need for long term care can result from illness, impairment, or even something as unexpected as an accident or injury, so it’s critical to take action to help protect your future. If you were to require long term care, you would want to be able to cover your expenses and choose how and where you get assistance. Long term care (LTC) insurance can not only help you protect your assets — it can allow you to maximize your independence
Business Services
Our consultation services will provide you with comprehensive, case specific and tax efficient solutions to help manage your concerns and increase the efficiency of your business.
Pave your company’s road to success by developing a proactive and purposeful business plan to address your common workplace needs. Our consultation services will provide you with comprehensive, case specific and tax efficient solutions to help manage your concerns and increase the efficiency of your business.
Our business planning concentrations include:
- Asset Protection
- Risk Management
- Continuity and Succession Planning
- Business Owner/Key Executive
- Compensation and Benefit Planning
- Employee Recruitment and Retention Strategies
- Employee Incentive Plans
- Tax Reduction Strategies
- Non-Qualified Deferred Compensation Alternatives
- Supplemental Retirement Plans
- Exit Strategies
We can match your business’s needs with the strategies most capable of accounting for them. Let our services help to streamline yours!
Financial Guide Solutions teams up with employers to provide employee benefit solutions that can help you secure your financial future and protect the ones you love. We ensure that employee benefits are appropriately managed and competitively priced for each specific client industry and geographic location.
As in most developed nations, labor costs for U.S. companies accounts for the vast majority of the overall cost structure of many enterprises. As the world economy becomes increasingly interconnected and labor and resources move seamlessly across borders, effectively managing these costs could create a substantial competitive advantage for a corporation.
In collaboration with our clients’ other professional advisors, our firm conducts in depth cost/benefit analysis, coupled with periodic reviews, to help ensure that employee benefits are appropriately managed and competitively priced for each specific client industry and geographic location.
Our analysis includes:
- Health and wellness
- Income insurance
- Dental
- Vision
- Group Life
- Group long and short term disability
- Section 125
- Employee Assistance Programs (EAPs)
Disability Insurance
You have people that depend on you financially, college tuition to cover, and mortgage payments to make. So if you rely on your income, then you should know that disability income insurance protects a percentage of your income should you become too sick or hurt to work.
Disability insurance is also called disability income (DI) insurance. If you become too sick or injured to work for an extended period of time, DI could help cover a portion of your income, including bonuses and commissions.
Asset Protection
Do you have a financial safeguard set up to protect your loved ones after you pass away? With a well-thought-out life insurance plan, you can do just that.
The purpose of life insurance is to help provide a measure of financial well-being for your family and loved ones when you are no longer there. With the purchase of a well-planned life insurance policy, you can help ensure that your family and loved ones will be taken care of.
Legacy Planning
If leaving a financial legacy is important to you, there are steps you can take to help ensure that what you leave behind will pass to your loved ones in an orderly and efficient manner.
A sound wealth transfer strategy should focus on two important goals:
1 | Distributing your assets according to
your wishes.
2 | Minimizing the expenses, reduction in value, and delays in settling your estate.
At some point in everyone’s life, they reach a point where they stop constantly looking to strive forward and start looking at where their past steps have taken them. It’s an important moment in your life, when you begin to consider what values, memories, heirlooms and assets you want to leave behind as a legacy of your journey.
The truth of the matter is that every dollar you accumulate during your lifetime has to go somewhere once you’re gone. It will either end up with loved ones, charities or the government. Don’t you want to be the one who decides? As you near the end of your life’s journey, what you have becomes valuable because it is something you can give. But without proper legacy planning, what you have will just become something the federal government takes from you by taxing your estate.
Travel Insurance
Your health insurance may not cross international borders, we do.
International Health Insurance provides long-term coverage to people living or working outside of their home country, typically for one year or longer.