Home / Approach / Tailored

Each client requires a unique solution. This involves systematically capturing and tailoring for attributes such as:

Client-specific
risks
  • Employment earnings
  • Pension benefits and other anticipated receipts
  • Stock options and restricted stock
  • Carried interest
  • Concentrated holdings of public securities
  • Private company interests
  • Private equity and hedge fund holdings
  • Private real estate holdings
  • Other alternative investments
  • Trusts of which the client is a non-control beneficiary

 

Tax posture
  • Taxable income outside the managed investment portfolio
  • Carry-forwards of deductions and capital losses
  • Current and anticipated marginal tax rates (AMT status, planned moves, retirement)
  • Attributes of separate tax accounts (e.g., foundations, trusts, 529s, IRAs)
  • Tax basis in each security

 

Personal
objectives
  • Planned spending: annual expenses, one-time purchases, and fixed-duration spending (e.g., education)
  • Liabilities, pledges, and commitments
  • Charitable giving
  • Wealth transfer