Sharp Wealth Management
Financial Planning
24/7 Fund Management
What are your financial goals? We supply the map to get you there. Through careful consultation, comprehensive planning experience and analytical rigor, we articulate and frame a complete picture of your current financial resources and goals.
- Goal / Objective identification
- Cash-flow forecasting and budgeting
- Retirement plan distribution analysis
- IRA and qualified plan consulting
- Education planning
- Family office services
- Generational / Legacy Planning services
- Financial independence analysis
- Debt refinancing and consolidation analysis
Tax Planning
Information at your fingertips
Because virtually every wealth-planning decision you make has tax implications, strategic tax planning can make a big difference in your final financial affairs.
- Income tax projections
- Tax savings strategies
- Compliance check-ups
- Integrated income, investment and estate tax strategies
- Asset distribution strategies
Our rigorous forward-looking approach can help you grow and preserve assets; defer income; account for the unexpected “what-if” scenarios, and reduce taxes on your income, estate, gifts, investments and retirement distributions.
Estate Planning
An estate is the total property, real and personal, owned by an individual prior to distribution through a trust or will. Real property is real estate and personal property includes everything else, for example cars, household items, recreational items, heirlooms and bank accounts. Estate planning distributes the real and personal property to an individual’s heirs. Estate planning is the process by which an individual or family arranges the transfer of assets in anticipation of death. An estate plan aims to preserve the maximum amount of wealth possible for the intended beneficiaries and maintain maximum flexibility for the individual prior to death. Wills and trusts are common ways in which individuals dispose of their wealth. Trusts, unlike wills, have the benefit of avoiding probate, a lengthy and costly legal process that oversees the transfer of assets.
- Wealth transfer analysis
- Estate tax liability analysis and strategies
- Philanthropic gift strategies
- Family gifting strategies
- Document and asset titling reviews in consultation with legal counsel
All too frequently families procrastinate until late in life to plan the distribution of their estates. By starting early, you can focus first on building an inheritance and later on preserving and protecting the assets you’ve accumulated. A CERTIFIED FINANCIAL PLANNER™ Professional can help throughout the lifetime estate-planning process. For example, we can help value your assets, discuss trusts, examine the implications of joint ownership, inherited ownership and identify an executor. We can also help with such specific tax issues as the federal estate tax, unified credit for estate and gift taxes, marital deductions and generation-skipping transfers.
Risk Management
What is Risk Management
As you develop and implement your financial plan, it’s important to protect your finances from the negative impacts of unfortunate and unforeseen events. Risks such as stock market volatility, loss of income from injury, death of a spouse or long term disability can wreak havoc on your personal finances if not appropriately accounted for. We will help you develop a comprehensive risk management strategy that will include your personal assets and long term care and disability planning.
Why Managing Risk is Important
Every day we are exposed to a variety of risks. These risks can include financial loss in the financial market, loss of a loved one, financial strains to a loved one or long term health issues. A large unforeseen event, such as the above examples, has the ability to drain all of your financial resources, severely impact your quality of life and derail your overall financial plan. Managing risk helps mitigate potential financial losses and ensures that our way of life can remain unaffected by unforeseen / unavoidable events.
A comprehensive risk management strategy can provide:
- Security for yourself or a loved one in the event of death, disability or need for long-term care
- Proper protection for your assets, income and business
- Peace of mind in the midst of unexpected events
Portfolio Management
Through Sharp Wealth Management, our CERTIFIED FINANCIAL PLANNER™ Professional will work closely with you and other professionals to develop strategies tailored to your specific investment objectives and risk parameters. Sharp Wealth Management offers individual portfolio solutions, catered to your specific situation and desires. We don’t subscribe to the industry trend of forcing individuals into “one-size fits all” models, but instead align our offerings to your specific desires and appetite for risk. If you would like to leverage a standardized model, we can accommodate that desire … but it is never a forced requirement.
We take an active approach to portfolio management, while being mindful of the tax implications of investment choices, and base our investment strategies on disciplined processes listed below. Using our fiduciary responsibility as a guidepost, we operate with the utmost integrity in implementing solutions focused on your best interest in the following areas:
- Risk tolerance determination
- Asset allocation analysis
- Portfolio management
- Performance measurement
- Investment policy development
- Financial planning
Don’t let time get the advantage … contact us today.