Wealth Management

Equity compensation is non-cash payment that represents ownership in a business, such as restricted stock or performance shares. Many executives receive equity compensation, which has its own unique set of rules and tax laws. Equity compensation planning can be notoriously difficult, leaving clients with unanswered questions such as: “What should I do if I’m still within the vesting period?” or “How can I lower my stock’s level of risk?” Craig and his team specialize in ECP and can help you diversify out of that asset concentration in a tax-efficient way to help to lower your risk and grow your wealth. Using a managed money approach, he can advise you on how to help optimize your equity compensation assets including incentive stock options (ISOs), non-qualified stock options (NQSOs), or restricted stock units (RSUs).

One of the greatest joys of being successful is the ability to use your assets to help make the world a better place. With charitable gift planning, you can invest your money to potentially produce higher returns which can then be donated to charity, supporting the causes you love not only throughout your lifetime, but also after you're gone. Craig's charitable gift planning strategies are designed to fit your personal interests and goals for benefiting NGOs while helping to maximize potential tax benefits.

In the flurry of balancing so many other financial priorities, executives and entrepreneurs sometimes overlook the need to optimize their Social Security benefits. Through an analysis of your Social Security benefits, Craig can help provide information on when and how to collect retiree, spousal survivor, divorcee, parent, child, or disability benefits.

Asset allocation is one of the most important decisions you can make. It's a wealth investment strategy that seeks to mitigate risk and increase returns by allocating a portfolio’s assets according to an individual’s specific long-term goals. Integral to effectively managing your money, Craig can shift your asset allocations depending on market conditions to help generate more consistent returns with less overall portfolio risk.

Asset allocation does not guarantee a profit or protect against loss in declining markets. There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio or that diversification among asset classes will reduce risk.

Another important decision you need to make is what to do with your assets after you die. Knowing the fruit of your life’s work will be secure when you are gone can be a great relief, allowing you to enjoy your hard work well into retirement without worry. Craig and his team can advise you on how to plan for your estate while minimizing gift, estate, generation-skipping transfer, and income taxes. And, he can help you with distribution planning, i.e. what happens to your assets after both you and your spouse are deceased.

Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA. Consult them for specific advice on legal and tax matters.