Personal Strategic Planning for High Net Worth
Individuals or Couples ($1,000,000+ net worth)
Financial planning is the roadmap that helps you reach your financial goals and objectives.
At Capital Planning Advisory Group (CPAG), the financial planning process is comprehensive.
All aspects of your family's assets are analyzed and coordinated by objective. CPAG follows the six-step financial planning process as outlined by the Certified Financial Planning Board of Standards:
Establishing the client/planner relationship
Gathering client data
Analyzing and evaluating your financial status
Developing and presenting a financial plan
Implementing the plan
Monitoring the plan
Cash flow analysis measures basic, discretionary expenses and taxes to yield available margin for investment. Tax planning highlights tax inefficiencies, especially in portfolio construction, perhaps the most overlooked area of proper tax management. Investment assets are diversified by asset class. The expected portfolio return matches the planning objective needs and individual risk tolerances. Retirement planning (through age 90) measures income and expenses to acceptable factors of inflation and portfolio rate of return. Estate planning directs the final disposition of assets at death, with minimum estate shrinkage due to estate and inheritance taxes. Insurance analysis is often an integral part of estate planning.
Average time to complete a comprehensive plan, 20 hours; includes client meetings, analysis, research, and implementation with outside professionals (attorneys, accountants).
Achieving financial success is complex and confusing to even the most experienced investor - one that requires a significant amount of time, knowledge and resources. Many affluent investors demand a different investment approach, one that will elevate their portfolio beyond one-dimensional product strategies and leverages the expertise of highly skilled professional investment managers.
Our firm offers just this kind of approach. Our services are designed to protect and increase your wealth by delivering the potential for superior after-tax returns with an unprecedented level of personalized service and expertise. It is offered through our select group of investment professionals who are experienced in understanding the unique needs of affluent investors and in formulating prudent investment strategies to help them achieve financial success.
What distinguishes our program is its personal emphasis. It is built around you - your goals, your time frame, and your tolerance for risk. As your needs change, our ongoing management process ensures that your investment portfolio evolves with you. It is not a get-rich-quick strategy or a "hot-tip" investment product. Instead, we employ a disciplined process that sophisticated institutional investors have followed for decades in managing their investments.
