Capital Advisors Wealth Management, LLC provides Wealth Management and Advisory Services. These services include but are not limited to the following:

  • Comprehensive Financial Planning
  • Retirement Accumulation and Distribution Planning Services
  • Investment and Portfolio Management
  • Diversification Strategies for High-Equity Concentrations
  • Stock Option Exercise Planning
  • Estate Planning and Trust Services
  • Philanthropic and Charitable Planning
  • Tax Planning and Preparation Services

Companies commonly use stock options and Employee Stock Ownership Plans as financial incentives to motivate employees. If the company has good fortunes and their market value increases, employees with stock options are often catapulted into, on one hand, a great financial situation, and on the other hand, a situation that creates the need for careful financial planning and strategic investment management.

We are able to offer solutions that meet the specialized financial considerations and needs that face professionals.

We provide personalized Wealth Management and Advisory Services including Investment and Portfolio Management and Comprehensive Financial Planning. We have one objective, and that is to deliver customized and innovative financial advice that is unequaled in terms of quality, from which our clientele can derive maximum value.

We expect to achieve that objective by providing all of our clientele with extensive, ongoing internal and external education by utilizing leading edge financial information, management, technology, hardware and software, while capitalizing on our extensive Strategic Alliance Networks and by offering services not offered by our competitors that are of value to the client.

After a client completes an extensive data questionnaire and delivers all relevant financial documents, we will develop a comprehensive financial plan. It will address the following areas:

  • Preparation of financial statements including federal and state income tax projections
  • Basic finance issues, such as debt structure, liquidity and cash flow issues 
  • Development of Investment strategies including hedging and tax-sensitive strategies 
  • Income Tax Strategy Optimization, including providing alternative financial and legal structures 
  • Education funding planning as well as accumulation and distribution strategization 
  • Estate tax reduction analysis and philanthropic decision-making 
  • Trust Services through one of our independent trust company strategic alliances, if applicable 
  • Survivor needs analysis 
  • Risk Management/Asset Protection, including analysis of all insurance coverage 
  • Stock option exercise strategies, if applicable

As part of the financial planning process, we develop specific recommendations addressing each of the above-listed areas. During this first part of the process, we will meet with the professional and their family several times. Each meeting will vary in length, depending upon the complexity of the client`s situation.

Once the recommendations are made, we will assist in the implementation of the recommendations where possible. A few examples include: 

  • Sending financial information to attorneys so they can prepare the necessary estate documents, including wills, trusts, powers of attorney, health care proxy, and living wills
  • Sending income tax information to accountants, such as bonus payments, gain and loss information on the sale of securities, etc. in order to prepare the income tax return and make appropriate estimated income tax payments 
  • Requesting information on the policy status of life insurance and annuity policies on behalf of the client (This information would include such items as death benefits, cash values, surrender charges, beneficiaries, tax basis, investment return, etc.) 
  • Requesting the tax basis of securities on behalf of clients 
  • Requesting insurance quotes on behalf of clients

Our objective is not necessarily to reduce the complexity of the client`s financial situation, because sometimes it does make sense to utilize trusts and other strategies to reduce taxes and achieve family friendly objectives. Rather, our goal is to save the client the time and the energy that it takes to manage his/her complex situation so that they are free to focus more closely on matters that mean the most to them.

As long as we are retained, you will have access to all of our services and our ongoing commitment to you and your family. With our many different compensation arrangements you will be able to choose the one that`s right for you, so that you have the piece of mind in knowing that you are receiving what you are actually paying for.

We offers customized Investment Management Services to individuals and institutions. Investment portfolios are developed to match the client`s return and risk requirements, which are determined by the client`s completion of a Risk Tolerance Questionnaire. Each type of investment portfolio is managed to achieve both short and long-term investment objectives.

Investment Research:
We perform extensive research as to how to structure investment portfolios. Emphasis is placed on developing portfolios that have historically achieved high returns, but with lower than normal risk.

Sources of Current and Historic Worldwide Financial Market and Economic Data include:

  • Investment Newsletters, Newspapers, Periodicals, Research Publications, and Professional Journals 
  • Portfolio Managers, Investment Advisor Services, Private Portfolio Managers

Client Education:
Education is very important to us. We are dedicated to educating each client about the different investment portfolio types and how they relate to market volatility, time horizons, and investment returns. It is our goal to ensure that the client understands and agrees with our investment philosophy. Furthermore, we assist each client in selecting a risk tolerance level with which they are comfortable. Ultimately, an investment portfolio is designed to meet the client`s objectives.

Many of our clients are interested in receiving guidance regarding retirement planning services. They especially want to know how much they need to accumulate, when they can retire, how to spend down their assets in the most tax-efficient manner and finally to distribute their assets to their heirs upon their death. Our retirement accumulation and distribution planning services address all these areas and more.

We assist each client during this stage of their life in a number of ways including: 

  • Counseling each client with regard to how to invest and accumulate monies for retirement during their employment years
  • Performing extensive retirement calculations both before and during retirement to determine if the client`s assets will be adequate to live on
  • Providing Asset Allocation Model Portfolios 
  • Advising each client as to what assets to spend down 
  • Guiding each client through the complex regulatory environment as how to distribute these assets from IRA`s and other retirement plans in the most tax-efficient manner 
  • And finally, facilitating the planning and transfer of the assets to the client`s heirs.

We also counsel each client in other retirement matters such as long-term care insurance, residential needs, estate planning issues including documents such as a will, a power of attorney, a health care power of attorney, a living will, and a testamentary letter.

This service is part of the comprehensive financial planning service.

This service is designed to assist clients who have a large percentage of their net worth in one investment. While the simple solution is to sell the investment and pay the taxes owed, it may not be the most optimal one. There are a number of alternatives that can be utilized to in an attempt to maximize value. However, since many of the strategies are long-term in nature, finding the one most comfortable for the client entails a significant amount of planning around the overall financial goals of the client. We will review with each client a myriad of strategies including; gifting to family members, charitable-giving strategies, tax loss harvesting, etc.

Comprehensive Financial Planning service is geared to assist clients with stock options in publicly-traded companies or those in the pre-IPO stage. Stock options come in two varieties - Non-qualified and Qualified. Qualified stock options are more commonly known as Incentive Stock Options or ISOs. The rules differ dramatically for both.

We will discuss the rules for the type of stock options clients have and the types of strategies that can be used to maximize their value to those that hold them.

  • Personal federal, state and local income tax preparation
  • Calculation of federal, state and local estimated quarterly income tax payments 
  • Securities cost (tax) basis calculations 
  • Audit Management