Services for Individuals
We work with a wide range of clients, from young families to working professionals to Baby Boomers. Through our comprehensive services, we can assist clients wherever they are in life, helping them develop a strategy that can grow with them over the years. We offer:
We offer Investment Advisory Services in the states of New York and Florida, which have become an increasingly popular management style in this space of our industry. Working with our clearing companies Pershing, LLC and TD Ameritrade (one a subsidiary of BNY Mellon Bank and the other an affiliate of the well known TD Bank), we can develop a customized portfolio incorporating a variety of different advisor class funds, fund companies, and security types. Furthermore, we believe that in certain market conditions third party money mangers can add significant value to one's portfolio performance. Your sequence of the rate of returns on your investments can have a significant impact on your overall account balance. Utilizing a cumulative approach, the ideology behind this type of wealth management style is to solely allow Jonathan and his team to focus their time on developing and implementing an effective financial planning strategy. Overseen by Mr. Affe, third party asset management may be the most appropriate for certain client accounts. Whether or not you are working with a third party money manager, client quarterly reviews led by Jonathan are always offered.
Retirement Planning Strategies
Many of our clients want to build a consistent income that will last through their retirement years. We can determine opportunities that may help, from contributing to a 401(k) plan to identifying an appropriate IRA investment. We can also advise on how to minimize or avoid unnecessary taxes, defer taxes through 401(k) and IRA rollovers, and create defined benefit retirement income streams, which could include spousal protection. Within our retirement planning services, we provide advice on ways to guarantee principals as either a living or legacy benefit, with certain types of investment vehicles available for a thorough review if suitable for the client’s financial needs.
Preserving assets and transferring an estate to family and heirs can be complicated. We assist clients in articulating their estate planning needs and coordinate the work of other professionals who may be needed, such as Attorneys and CPAs. Whether a client wishes to use a trust or other method, we can offer guidance.
A major concern among families is determining how they will pay for their children’s college expenses and balance their retirement planning. We can help clients calculate college costs, evaluate funding options, and create an education strategy tailored to their goals.
Whether it’s to ensure that your family is taken care of or utilizing tax advantaged dollars for retirement, the right insurance coverage is critical. We can help you evaluate options and determine appropriate solutions based on your situation and future needs. We can also assist you in developing comprehensive life and qualified long-term care insurance portfolios, which may help create a liquid legacy of your estate and conserve it by avoiding Medicaid spend-down scenarios and staying in your home for life.
Cash Flow Analysis and Debt Management
Some clients are concerned with expanding their family and building their career while paying off debt. We assist with debt analysis, consolidation, and budgeting, developing debt management tactics designed to improve cash flow.