Our Services
Crystallizing your objectives ...preparing you to live your financial goals.
Click here to learn more about Team Greensage's wealth management system
In your life, there will be many important financial issues to face and obstacles to overcome. Important questions include:
Does my family need to operate on a budget?
Do I need a clearly defined set of financial goals?
could my cash flow improve with careful planning?
How will I pay the increasing costs of my children's education?
Should I spend time planning my financial future?
Will my family be secure if I die or become disabled?
Do I know what I want to do in "retirement"?
Will I be able to retire comfortable ... with enough money?
What financial options will I have when I retire?
Is Social Security and my pension plan enough?
Am I paying too much in tax?
Our on-going, long-term planning helps you realize what you set out to achieve - success by your standards.
Investment Planning
Making the most of your growth years ...
Paving the road to the financial future you want.
The "Modern Portfolio Theory" developed by Harry Markowitz and William Sharp won the Nobel Prize in Economics 1990. Plainly stated, to achieve minimum long-term investment returns, as well as minimize risk, it is necessary to diversify among asset categories with low cross-correlation. If cross-correlation exists, when one investment goes up in value another goes down. Inherent in the process of accumulating assets is the necessity of bearing risk. However, the risks can and should be managed and controlled.
Your answers to meaningful questions drive the investment allocation model best suited for you. It is important to determine your willingness to take risk and balance it with the desired yields. We strive to manage expectations for each client. Part of your job is keeping the complex from becoming too complicated.
Important investment questions include:
Are the investments I've relied upon adequate to meet my goals?
Will inflation erode my assets?
How do I prepare for volatile interest rates?
Can I prepare for fluctuating markets?
Can I stay aware of legislative changes?
How do I know my assets are allocated properly for my goals of safety, income and growth?
Can I achieve Financial Independence on my timetable?
Our work does not end when we've put your plan into action. You are assured the attention, adjustment and continuity your plans need as you and your finances evolve.
Securities Offered Through LPL Financial, Member FINRA/SIPC.
Registered to offer securities in Texas
Registered to sell insurance in Texas
Business Continuity and Benefit Planning
Developing a living legacy ...
Using your business for personal asset accumulation.
Most tax experts focus on the technical aspects of business planning ... how to minimize corporate or personal income or estate taxes ... how much are employee benefits going to affect the bottom line ... how to transfer the business in a tax-efficient manner. Technical considerations are significant and certainly important in the business planning process.
Humanistic issues should not be ignored: the business owner's needs, desires, fears, wants, and goals are as crucial to business planning as are tax and investment issues.
Building a business is not an easy task. We understand the excitement and frustrations of today's entrepreneur. It is critical to effective and meaningful business planning ... how to build a legacy not a dinosaur.
Business owners seldom have anyone to confide in about their business. They have important questions to which they need answers.
Those questions include:
How does my business compare to others in our industry?
What are my business financial ratios?
What is the value of my business?
How does my business get the most for each benefit dollar spent?
What can I do to attract, retain and reward key employees?
How do I transfer my business in the most effective way?
How do I manage ownership and management succession?
Can I handle the transition of ownership and management?
We provide a comprehensive business financial profile. We advise business owners how to increase spendable income, provide cost effective benefit programs, and develop management and ownership succession plans. We explore numerous options until owners are satisfied our recommendations reflect their personal wishes and goals.
Estate Preservation and Asset Transfer Planning
Minimizing the cost of estate taxes ...deciding how much
and without creating hardship.
Until the head of the family dies, estate tax and other liquidity requirements are often unfamiliar burdens. The estate tax can hit your financial assets like a large rock shatters a window.
It is not a stroke of brilliance that makes an estate plan right. It is the methodical examination of the facts, weighed against your goals, by someone who really knows you. We know people with net worth they want to protect. We know how involved personal planning can become when you'd rather be doing other things.
Our approach to estate planning examines contingencies and alternatives until you are satisfied our recommendations reflect your desires.
We develop estate plans that answer these questions:
How do I enjoy my assets and reduce estate taxes at the same time?
Can I provide for children and/or grandchildren?
Is there a way to be philanthropic and not reduce my estate for the next generation?
What are ways to minimize the inevitable tax bite?
Can I provide tax-free cash to pay the taxes?
How do I share my wealth and not give up control?
Can I keep together what I have put together?
We are purposefully thorough. To achieve your vision, no detail can be left out. We believe to be professional means to explore all possible alternatives to maximize the law to minimize the tax.
We help our clients work toward securing financial independence by focusing on predetermined, worthwhile goals and exercising the discipline to achieve them.
How do we function?
We lead our clients through a process of financial decision-making that clarifies goals and priorities, explores the present situation, creates a vision of the desired future, and determines how to get there.
The Process
1. Understand what you want - Goals
2. Discover what you have - Fact Find
3. Agreement of what is important - Prioritize
4. Determine appropriate adjustments - Analyze Needs
5. Present recommendations - Implement Plan
6. Plan for need or situation changing - Periodic Reviews
Simply put, we
Design (Phase I)
Implement (Phase II) and
Monitor, Report and Review (Phase III).
How are we Compensated?
Fees
Commissions
Personal Introductions
Evaluation Letters
Getting Started
Would you like to begin?
We can
1. Schedule a time to accumulate information
2. Determine where you are today
3. Explore your vision of success, and your personal, family and business financial goals
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