Suite of Services

Investment Management

Portfolio Construction

Following day-to-day market movements is time consuming and can cause unnecessary anxiety. Unfortunately, some investors make poor financial decisions during stressful periods when emotions get in the way of reason and logic.

Discipline and income generation are the core principles of our process driven investment strategies. Multiple strategies are recommended based on your personal situation in order to help you achieve your Family Index Number. Our ultimate goal is to preserve your assets while generating the level of income and growth needed to meet your goals and objectives with confidence.

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Cash Flow Planning

A common question from new clients is “how do I access cash from my investment portfolio?” Cash flow planning is critical, and we work with you to optimize distributions from your investment portfolio in the context of your other sources of income.

Cash flow planning in retirement can be complex due in part to the sequence of returns which we discuss in detail when presenting your Live Well Plan. We are of the opinion that a spreadsheet alone is inadequate for optimal cash flow planning. As a superior alternative, we recommend utilizing Monte Carlo simulation to more accurately predict the probability of a successful retirement.

Retirement Planning

How much time have you spent planning for family vacations, a wedding, your children’s education, and your career? Why would you spend any less effort planning for your transition into retirement? The answer is that the subject matter is complicated and it seems there are always more pressing items at hand.

Unfortunately, comprehensive planning is necessary for a successful retirement. The “good ol’ days” when Social Security and a company pension could cover your retirement expenses are a thing of the past.

Times have changed. Today, retirees are facing a more complex environment with increased uncertainty.

Many people only start looking at retirement toward the end of their careers. Planning is critical and ideally starts at least 3 – 5 years prior to retirement.

We bring together our knowledge of various types of retirement plans, Social Security benefits and our comprehensive analysis of your personal situation to develop an individual strategy designed to help you achieve a comfortable retirement.

Download Our 9 Step Retirement Readiness Guide

Multi-Generational Planning

Our process is focused on preserving, growing and transferring wealth. Many issues arise as families struggle to find the best path forward. We believe that our perspective and experience will continue to add value to our client families.

For example, we are currently serving four generations for a few of our client families. With that being said, we understand the unique challenges and solutions that present themselves regarding the efficient transfer of wealth from one generation to the next.

Risk Management

The Price Group can help identify risks which could impair your financial situation. While death and disability are not fun to talk about, consider how you may be negatively impacted without protections in place. Transferring risk to an insurance company may be prudent to help minimize the financial damage of a catastrophic, unanticipated event.

Some of the ways we utilize insurance include:

• Life Insurance — Considers income replacement as well as business succession funding and estate planning through a vehicle which may be income tax and estate tax free, if structured properly.
• Disability Insurance — Protects your income in the event of your inability to work prior to financial freedom.
• Long Term Care Insurance — Provides financial support for Activities of Daily Living in respite care, adult day care, in-home care, assisted living as well as nursing home care.

Education Planning

The education of children and/or grandchildren is often a very important goal. Especially for young families, the rising cost of education makes paying for this a challenge. We prepare an analysis to project the expected costs of education from primary school through higher education.

Within the context of your Live Well Plan, we help you develop a strategy to effectively prepare for these costs. Finally, we help you select the most effective savings vehicle which may include a 529 college savings plan and/or a Uniform Transfer to Minors Act (UTMA) account.

This analysis provides the proper understanding for developing an appropriate strategy for the future.

We can help you identify your unique goals and objectives, financial and non-financial, and design a customized strategy to help you reach those goals. we continually monitor your portfolio to make sure it is appropriately positioned to progress toward your long term goals.

Charitable Planning

“In all things I have shown you that by working hard in this way we must help the weak and remember the words of the Lord Jesus, how he himself said, ‘It is more blessed to give than to receive.” – Acts 20:35

It is important to understand your charitable goals in the context of your overall Live Well Plan. Several techniques are available to help you meet your charitable and estate planning goals. Whether you want to simply write a check to your favorite charity or make a recurring gift to another entity, we will work closely with you and your estate planning attorney to ensure you have the best solutions in your plans.

Social Security Planning

There are over 80 ways for a married couple to file for Social Security benefits. An error in this decision could cost you hundreds of thousands of dollars over a lifetime. Given the thousands of complex rules and hundreds of claiming options, creating a plan of action for Social Security can be a daunting and difficult task.

The Price Group will analyze your specific situation and compare and contrast the most advantageous strategies to receive your benefit. You worked an entire career for your monthly pay-check. Don’t you deserve to maximize what you paid into the system?

Net Unrealized Appreciation (NUA)

Many of our clients are faced with a decision regarding concentrated equity positions in their 401(k)’s or savings plans. One of the options available to employees with highly appreciated positions in company stock is to remove some or all of those shares from the plan using net unrealized appreciation (NUA).

Shares of company stock are removed from a retirement plan and the cost basis of those shares is taxed as ordinary income. The shares can then be held in an after-tax account until they are sold. At the time of sale, the difference between the stock’s cost basis and its current market value will be taxed at preferential capital gains tax rates.

Does a NUA distribution makes sense for you? Here are some questions to ask yourself:

1. Have you made after tax contributions to your company retirement plan?
2. Do you plan to maintain your position in company stock?
3. Will your tax rate decline significantly in retirement?

Distribution Strategies

Income taxes will most likely end up being the largest expense of your lifetime. Tax management in retirement is essential to a successful holistic retirement plan. Our goal is to help you lower your family's lifetime tax bill when possible.

Coordinating With Your Professionals

We regularly work alongside CPAs, attorneys, and other service professionals to holistically meet the needs of our clients. While we do not draw up estate plans or file tax returns, we do offer advice to help optimize your tax planning and estate planning needs.

Lump Sum Vs. Company Annuity

Selecting the company lump-sum vs annuity option is one of the biggest financial decisions you will make in your entire life. Here at The Price Group, we have a bona fide and objective process to help you compare and contrast the different options available to you.