Wealth Management

Achieving financial success takes more than a few key investments and a little luck. Financial success comes through a lifelong commitment to a complete wealth care process. The goal of Wealth Insight Network is to assist you in developing the winning strategies to properly manage your Wealth.


It is impossible to list all of the Wealth building strategies you may need as you build your financial plan, but as you review some of the techniques below, please make a note of ideas that come to your mind.

We want to help you turn your ideas and dreams into reality.




Have you had a professional analysis done to determine if your personal retirement programs will offer you the potential to live the lifestyle you dream of when you retire?


Do you have a current and properly drafted will, living will, and trusts that dispose of your estate in the most tax efficient manner and continue your legacy according to your core values and your wishes?


Do you use all available techniques to reduce your federal and state income taxes?


When was the last time you appraised the value of your business and analyzed your business succession strategy?


Have you determined how you will best financially contribute to the education of your children and grandchildren?


Does anyone in your family have special medical or financial needs? Have you evaluated all the solutions available to them and to you?


INVESTMENT PLANNING – Investment planning is essentially structuring and monitoring assets in order to accomplish financial goals. Some considerations include market risk, inflation risk, interest rate risk, business risk and the risk of not being liquid. We first meet with you to determine your personal goals and risk tolerance to develop an investment plan tailored to your individual needs. We generally use the principles of diversification and asset allocation to minimize the other risks as listed above that are inherent in any investment portfolio.

We have found that proper diversification of your investments can greatly lower the risk associated with a class of investments as well as your entire portfolio. Diversification is more than dividing your portfolio among a few asset classes, i.e. large cap stocks and small cap stocks. True diversification also involves assets allocated among classes with negative correlation. We use model portfolios that have been back tested for 20 years to assist us in designing the proper asset allocation mix to meet your investment philosophy according to your own individual risk tolerance.

We offer investment planning services in the following areas:

  • Portfolio design according to asset allocation models                                          tailored to goals and risk tolerance
  • Access to over 6,000 non-proprietary mutual funds
  • Individual equity and fixed income securities
  • Performance reports and review meetings
  • Tax-advantaged investment techniques
  • Fee-based or commission based arrangements
  • On-line access to accounts

RETIREMENT PLANNING – Retirement planning has always been an integral part of the Wealth care process and due to the constantly changing economic and legislative environment over the last 25 years, it requires constant attention.  Due to the new portability of retirement plans among employers and the myriad of investment vehicles available in this area, it is more important than ever to be sure you have the proper structure to maximize your financial resources available for retirement.  Of course, projecting the income needed for retirement and designing an investment strategy to meet these goals is an integral part of the process.

Retirement planning is generally approached by reviewing your funding sources on three levels: individually owned plans, Social Security or other government programs and employer sponsored plans.  A major portion of retirement planning is simply budgeting and future cash flow planning.  We can help you to determine your retirement needs but it is also important to coordinate the retirement planning process with Estate Planning and Special Needs Planning.

We offer retirement planning services in the following areas:

  • Projections of your retirement needs to help meet your desired lifestyle
  • Pre-retirement and post-retirement analysis of cash flow
  • Analysis of retirement plan distribution options including lump-sum payouts
  • Assistance in maximizing investment return to help meet retirement goals
  • Distribution strategies for qualified retirement plans and IRA's

ESTATE PLANNING – Estate planning is usually an area that most of us would rather not think about, because it is related to our ultimate demise.  It is perhaps the most neglected area of the entire Wealth care process, but in fact should be one of the most important. After all, they say nothing is sure in life but death and taxes, but when it comes to planning for our own death we often choose to ignore it.  The crazy thing about it is “Why did we sweat and work so hard during our lifetime just to pass our hard earned money on to the government”?  If the truth be known, most of us don't want the government to have any part of our money if we can help it and want to pass what we have accumulated to our family or favorite charity in an orderly manner.  We can help you accomplish these goals.

Proper Estate Planning requires a team with the complete knowledge of accounting and asset valuation principles as well as several areas of tax and estate law.  We will assist you by coordinating a team of professionals to accomplish your goals.  Our experience with tax law, estate planning techniques and other Wealth management strategies makes us uniquely qualified to assist you in this area. We can help you develop comprehensive estate plans utilizing sophisticated gifting, trust and Wealth transfer strategies in conjunction with proper legal counsel.


SPECIAL SITUATIONS – Special circumstances present special situations in financial planning.  Caring for an Alzheimer's patient, the receipt of structured settlements in lawsuits, divorce, elder care and addictions each have unique financial planning needs.  It may be that you just need help structuring a plan to reduce your debt burden or refinance your existing debt obligations.  We can help you work through these special situations and coordinate your special needs to best fit into your overall Wealth care plan


OTHER WEALTH CARE TECHNIQUES – Each client situation is unique and we are committed to finding the right solutions for you.  The economic and political environment is ever changing.  The constant barrage of new and amended tax legislation is also a challenge. Wealth management is a lifetime commitment and we are here to provide you the insight to achieve your goals.  

INCOME TAX PLANNING – Income tax planning is the process of minimizing tax liabilities and is generally interrelated with all other areas of wealth management.  It is also the one area that can be most easily controlled with proactive management.  We can assist you to minimize your tax burden by utilizing creative strategies, tax structures and timing of transactions to reduce, defer or in some cases eliminate your tax liabilities.  We also can assist you in developing tax-advantaged strategies for your business and shift income tax liabilities among family members.

Recent tax legislation has opened up a number of tax planning opportunities based on the proper structuring of your business.  We will assist you in choosing the right legal entity to maximize your tax advantage.  We can also assist you in setting up sophisticated vehicles for transfer and protection of Wealth.  It can be an advantage to have a professional who can assist you in properly structuring your investments to take full advantage of all tax laws.

BUSINESS PLANNING – Most business owners spend an enormous amount of time running the day-to- day operations of their business and find it difficult to find time for certain critical planning issues.  Issues for owners of closely held businesses include: protecting the business owner from the owner's disability or death; retention of key employees; use of retirement plans; lifetime exit strategies and transitioning of key management or family members into the business.  A proper succession strategy for changing ownership in the business is essential to building and preserving Wealth.  We can assist you in developing business planning strategies tailored to your own unique business structure.


EDUCATION PLANNING– Meeting a client's goal of providing enough assets to fully or partially fund a child or grandchild's education costs can be a daunting task in today's economic environment.  College costs in general have increased at a rate substantially higher than the consumer price index.  Education planning can involve asset allocation, income tax planning, estate and generation skipping planning and financial aid considerations.  The good news is that recent tax legislation has provided numerous tax-advantaged education funding vehicles to provide for your child's education.

Section 529 plans currently offer the greatest tax advantages.  These plans are state-sponsored investment programs that offer families a way to save large amounts of money for future college expenses.  There are no age or income limitations on participants (parents, grandparents and children) and beneficiary designations are controlled by the creator of the plan.  Generally an individual can make contributions into these plans up to $11,000 without gift tax consequence ($22,000 per couple) and under a special election to aggregate the next 5 years contributions an individual can contribute $55,000 in one year ($110,000 per couple).  Due to the high contribution limits allowed in these plans they can also be used as an estate planning tool.  One advantage to these plans over state prepaid tuition plans is that they also cover room and board costs, books, supplies and equipment.

Education IRA's (Coverdell accounts) were also improved under the latest tax legislation and you can now contribute $2,000 per year per beneficiary.  The contribution is not tax deductible, but the earnings will be tax free if used for qualified higher education expenses. The ability to contribute to these plans can be lost for individuals with adjusted gross income over $110,000 for singles and $220,000 for married couples.  There are numerous other issues involved in education planning including hope scholarship credits, lifetime learning credits, deductions available for student loan interest and the impact of college funding on the ability to receive financial aid.  We have a number of vehicles and strategies that can be tailored to meet your individual situation.

An investor's home state may only offer favorable state income tax treatment for investments made in a plan offered by such state.  You should consult a tax adviser about any state tax consequences of this investment.

Under a "sunset provision," the tax exemption for earnings on qualified withdrawals is scheduled to expire on December 31, 2010, unless extended by Congress. As with all tax-related decisions, consult your tax advisor



Have you determined that your investment portfolios are optimally designed to help you reach your goals?