Financial Advisors

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Financial Advisors

Get a Free Consultation

Real Estate Consulting & Enhanced Affordability™

Specialized Experience

Lean on us for our unique knowledge and processes so you can focus on what you do best.

Focused Role

We work within the scope we are hired for.  You are the client’s advisor and we respect that.

Collaborative Approach

We communicate with you through every step of the process, from introduction to implementation.

Client Service

Like you, our focus is to add value and help the client successfully accomplish their goals.

Real Estate Consulting & Enhanced Affordability™

Specialized Experience

Lean on us for our unique knowledge and processes so you can focus on what you do best.

Focused Role

We work within the scope we are hired for.  You are the client’s advisor and we respect that.

Collaborative Approach

We communicate with you through every step of the process, from introduction to implementation.

Client Service

Like you, our focus is to add value and help the client successfully accomplish their goals.

As a specialized wealth management firm with expertise in real estate, we provide valuable support and services to other financial advisors and your clients.

By partnering with our wealth management firm, you can provide your clients with access to specialized expertise, enhancing the overall value of your services and helping your clients achieve their financial goals while focusing on their main investment management and planning.

As a specialized wealth management firm with expertise in real estate, we provide valuable support and services to other financial advisors and your clients.

By partnering with our wealth management firm, you can provide your clients with access to specialized expertise, enhancing the overall value of your services and helping your clients achieve their financial goals while focusing on their main investment management and planning.

Collaborating on Comprehensive Financial Plans

We work with you to develop comprehensive financial plans that address all aspects of your client’s financial life, including their real estate.  This may include reviewing how property purchases, holdings and exits may impact retirement planning, tax planning, estate planning, investment management, and risk management.  By combining your expertise with ours, you can provide your clients with a more holistic view of their finances and help them make the most of their real estate holdings.

Coordinating Investment Strategies

Working together to develop investment strategies that are tailored to your client’s individual goals and risk tolerance can be more impactful when we help you incorporate their real estate.  By combining different types of investment vehicles, such as debt and equity securities with real property, we can better help the client to understand the weighting and impacts of their total portfolio.  While most advisors are well-versed in balancing stocks, bonds, and ETFs, applying similar understanding and monitoring to a client’s real property has the potential to dramatically change the overall nature of the client’s portfolio.  In this way we help ensure that you and your client have a plan that truly maximizes returns while minimizing risk and taxes.  We can also coordinate on the timing of investment decisions to ensure that clients are buying and selling real assets at the most advantageous times and in the most effective ways in concert with their investment portfolio.

Sharing Knowledge & Resources

Our firm is always eager to share knowledge and resources with other advisors to help us all better serve our clients.  This may involve leaning on one another as specialized advisor teams, helping each other in staying up to date on the latest market trends and financial products in specific niches, presenting at industry conferences and events, and leveraging each other’s networks to identify new opportunities for collaboration.

Providing a Consistent Client Experience

By leaning on us for our areas of expertise, you are better able to focus on what you do best.  This allows for increased efficiency in your practice and helps to provide a consistent client experience.  This may include developing a shared client onboarding process, establishing consistent communication protocols, and ensuring that all advisors are aligned on the client’s overall financial goals.

Collaborating on Comprehensive Financial Plans

We work with you to develop comprehensive financial plans that address all aspects of your client’s financial life, including their real estate.  This may include reviewing how property purchases, holdings and exits may impact retirement planning, tax planning, estate planning, investment management, and risk management.  By combining your expertise with ours, you can provide your clients with a more holistic view of their finances and help them make the most of their real estate holdings.

Coordinating Investment Strategies

Working together to develop investment strategies that are tailored to your client’s individual goals and risk tolerance can be more impactful when we help you incorporate their real estate.  By combining different types of investment vehicles, such as debt and equity securities with real property, we can better help the client to understand the weighting and impacts of their total portfolio.  While most advisors are well-versed in balancing stocks, bonds, and ETFs, applying similar understanding and monitoring to a client’s real property has the potential to dramatically change the overall nature of the client’s portfolio.  In this way we help ensure that you and your client have a plan that truly maximizes returns while minimizing risk and taxes.  We can also coordinate on the timing of investment decisions to ensure that clients are buying and selling real assets at the most advantageous times and in the most effective ways in concert with their investment portfolio.

Sharing Knowledge & Resources

Our firm is always eager to share knowledge and resources with other advisors to help us all better serve our clients.  This may involve leaning on one another as specialized advisor teams, helping each other in staying up to date on the latest market trends and financial products in specific niches, presenting at industry conferences and events, and leveraging each other’s networks to identify new opportunities for collaboration.

Providing a Consistent Client Experience

By leaning on us for our areas of expertise, you are better able to focus on what you do best.  This allows for increased efficiency in your practice and helps to provide a consistent client experience.  This may include developing a shared client onboarding process, establishing consistent communication protocols, and ensuring that all advisors are aligned on the client’s overall financial goals.

Have Questions? We're Here to Help.

Our calls are always relaxed and pressure-free.

The strength of the team is each individual member.  The strength of each member is the team.

– Phil Jackson

Some of the reasons we are asked to join the team…

Real Estate Investment Analysis

We provide comprehensive analysis of potential real estate investments for your clients.  Our expertise can help identify risks and opportunities that may not be immediately apparent when viewed from a traditional wealth management perspective, ensuring that the client is making informed investment decisions that align with your planning.

Enhanced Affordability™

This program from SmartMortgage® helps us to look at a client’s assets through the lens of mortgage underwriting, giving us options for limited or temporary portfolio reorganization to accomplish the client’s real estate goals while reducing or eliminating any taxable events.  Along with an additional layer of planning and additional real estate purchasing power, this often results in more assets being left invested in the market.  We have found this can be extremely useful, especially when the client is a business owner or retired and assets would need to be liquidated for down payment to offset potentially limited qualifying income.

Portfolio Optimization

We can help optimize the real estate holdings of clients of other financial advisors by analyzing the performance of each property and identifying opportunities to increase returns or minimize risk.  This could involve advising on how to best add or remove property holdings from the client’s portfolio.  This can help enhance the overall performance of the client’s investment portfolio.

Tax Planning

Owning and managing real assets can have complex tax implications, potentially creating both additional burdens and opportunities.  We can provide specialized advice in this area to help your clients navigate these issues and help minimize tax liabilities and optimize the client’s overall tax strategy.

Diversification

Real estate investments can provide desired diversification benefits to an investment portfolio, as they tend to have low correlation with other asset classes like stocks and bonds.  By helping you and your client understand real assets in the same terms as traded securities we can help to get a clearer picture of the client’s portfolio and reduce overall portfolio risk and increase stability.

Potential for Appreciation & Income

Properties have the potential to both appreciate in value over time and, depending on use, provide income.  This can help your clients enhance their overall portfolio returns and increase wealth over the long term.  This can also result in potential income taxes and capital gains for your clients.

Cash Flow

Property ownership can have impacts on both sides of a client’s balance sheet.  Required and additional down payments, monthly mortgage payments, interest charges, taxes, maintenance, upgrades, rental income, appreciation, equity, and liquidity.  This complexity can help diversify income streams and provide a source of passive income for retirement or other goals but should be considered carefully and understood to help the client avoid pitfalls and have the greatest impact.

Tax Advantages

Real estate investments offer a range of tax advantages, including step-up in cost basis after death, potential deductions for mortgage interest, property taxes, and depreciation.  We can also help your client use strategies like 1031 exchanges, DSTs or opportunity zone investments to defer capital gains taxes on the sale of properties.

Property Exit Planning

Our wealth management firm can provide your clients with specialized expertise in real estate exit planning.  For family homes we can help create a plan for transitioning into a new primary residence efficiently, looking at down payment options, impacts of various mortgages vs cash purchase and minimizing capital gains.  For investment properties, our analysis and planning may include strategies like 1031 exchanges or available DST or opportunity zone investments.  This helps free the client from an asset that is no longer the best fit for their portfolio and allows those funds to be reallocated more appropriately.

Real Estate Investment Analysis

We provide comprehensive analysis of potential real estate investments for your clients.  Our expertise can help identify risks and opportunities that may not be immediately apparent when viewed from a traditional wealth management perspective, ensuring that the client is making informed investment decisions that align with your planning.

Enhanced Affordability™

This program from SmartMortgage® helps us to look at a client’s assets through the lens of mortgage underwriting, giving us options for limited or temporary portfolio reorganization to accomplish the client’s real estate goals while reducing or eliminating any taxable events.  Along with an additional layer of planning and additional real estate purchasing power, this often results in more assets being left invested in the market.  We have found this can be extremely useful, especially when the client is a business owner or retired and assets would need to be liquidated for down payment to offset potentially limited qualifying income.

Portfolio Optimization

We can help optimize the real estate holdings of clients of other financial advisors by analyzing the performance of each property and identifying opportunities to increase returns or minimize risk.  This could involve advising on how to best add or remove property holdings from the client’s portfolio.  This can help enhance the overall performance of the client’s investment portfolio.

Tax Planning

Owning and managing real assets can have complex tax implications, potentially creating both additional burdens and opportunities.  We can provide specialized advice in this area to help your clients navigate these issues and help minimize tax liabilities and optimize the client’s overall tax strategy.

Diversification

Real estate investments can provide desired diversification benefits to an investment portfolio, as they tend to have low correlation with other asset classes like stocks and bonds.  By helping you and your client understand real assets in the same terms as traded securities we can help to get a clearer picture of the client’s portfolio and reduce overall portfolio risk and increase stability.

Potential for Appreciation & Income

Properties have the potential to both appreciate in value over time and, depending on use, provide income.  This can help your clients enhance their overall portfolio returns and increase wealth over the long term.  This can also result in potential income taxes and capital gains for your clients.

Cash Flow

Property ownership can have impacts on both sides of a client’s balance sheet.  Required and additional down payments, monthly mortgage payments, interest charges, taxes, maintenance, upgrades, rental income, appreciation, equity, and liquidity.  This complexity can help diversify income streams and provide a source of passive income for retirement or other goals but should be considered carefully and understood to help the client avoid pitfalls and have the greatest impact.

Tax Advantages

Real estate investments offer a range of tax advantages, including step-up in cost basis after death, potential deductions for mortgage interest, property taxes, and depreciation.  We can also help your client use strategies like 1031 exchanges, DSTs or opportunity zone investments to defer capital gains taxes on the sale of properties.

Property Exit Planning

Our wealth management firm can provide your clients with specialized expertise in real estate exit planning.  For family homes we can help create a plan for transitioning into a new primary residence efficiently, looking at down payment options, impacts of various mortgages vs cash purchase and minimizing capital gains.  For investment properties, our analysis and planning may include strategies like 1031 exchanges or available DST or opportunity zone investments.  This helps free the client from an asset that is no longer the best fit for their portfolio and allows those funds to be reallocated more appropriately.

By working together with other financial advisors, we can provide your clients with a more comprehensive and personalized approach to financial planning. 

This can help your clients achieve their financial goals more efficiently and effectively while knowing that you have assembled an expert team for them that has their best interests at heart.

Overall, incorporating real estate into how we help our clients view and understand their wealth can provide a range of benefits, including more effective diversification, potential for appreciation, more detailed cash flow, comprehensive tax advantages, and a tangible asset that can provide a sense of security and stability. 

It is however, important to work with a qualified wealth management firm that can provide specialized expertise and investments in real estate to help your clients navigate the risks and challenges involved.

By working together with other financial advisors, we can provide your clients with a more comprehensive and personalized approach to financial planning. 

This can help your clients achieve their financial goals more efficiently and effectively while knowing that you have assembled an expert team for them that has their best interests at heart.

Overall, incorporating real estate into how we help our clients view and understand their wealth can provide a range of benefits, including more effective diversification, potential for appreciation, more detailed cash flow, comprehensive tax advantages, and a tangible asset that can provide a sense of security and stability. 

It is however, important to work with a qualified wealth management firm that can provide specialized expertise and investments in real estate to help your clients navigate the risks and challenges involved.

Our Philosophy

We believe that the greatest impact for our clients occurs when we take the time to understand all of their financial life.  By incorporating real estate into our wealth management and financial planning, we are able to accomplish far more than when focusing on stocks and bonds alone.

 

Our Focus

Beyond traditional wealth management.

We specialize in helping clients recognize, understand, and navigate the numerous intersecting points where investments and real estate come together.

 

We serve

All 50 States

Puerto Rico

&

The U.S. Virgin Islands

We’re Invested In Partnership.

Our calls are always relaxed and pressure-free.