Financial Planning: Education, College, Retirement, Estate Investments in PA

Financial Planning

Personal Strategic Financial 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).

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Investment: Wealth Management

A Personalized Process for Successful Investing

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.

Portfolio Asset Management

Our Defensive Allocation process is designed to protect client portfolio assets in both good (bull) and bad (bear) markets. This "win by not losing" philosophy is accomplished by the use of trend analysis that allows us to structure above average "offensive" tactics in positive market environments.

When a negative market decline occurs, we employ a two-tiered defensive strategy that we define as Level One and Level Two Defense:

Level One Defense
Weak negative trend assets that fall below their intermediate (not short term) trading range are sold. The "selling the negative trends" tactic is the first part of the defensive strategy that protects profits and keeps the portfolio from falling into the "great abyss" that systematically occurs in market dislocations. The process reduces losses that can be extreme at times.

Level Two Defense
The market neutral element of the strategy is the second line of defense. This "shorting" technique blocks the portfolio from additional downside loss. Legitimate downturns are intermediate in length, thus allowing the purchase of inverse ETFs to first neutralize the core positions and then the remaining satellite (alpha) positions that remain in the portfolio.

This two-tiered defensive tactic is the major distinction that separates the defensive strategy from traditional strategies. Reducing downside risk is critical to the overall long-term performance of any portfolio.

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