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Strategic Wealth
Management
What
distinguishes Trust Company from our peers is our
comprehensive financial planning approach. The journey
to a secure financial future begins with a plan, a road
map to attain your goals and preserve your gains. We
place as much emphasis on crafting your personal map as
we do on investment management.
How Do You Separate the News from the Noise?
It is no
wonder that some investors develop a short-sighted focus
in today’s frantic investment environment.
Round-the-clock media saturation provides lots of
information, but very little insight . . . a poor
perspective from which to make important, long-term
financial decisions. Trust Company helps you tune out
the noise and stay focused on your long-term wealth
management objectives. Our relationship begins with
understanding the issues and concerns most important to
you personally. Wealth is a means to an end, not the
end itself. Our goal is to help you achieve your goals:
empower your wealth, to enjoy an independent and secure
retirement, create a financial legacy for future
generations, or assist charitable interests—whatever you
want your money to do for you.
We take
our role as an objective fiduciary
seriously. A Trust
Company advisory team works like your personal chief
financial officer. Most investment advisors have a
prejudice toward a particular facet of wealth
management. What distinguishes Trust Company is our
passion to make all the vital components work together.
Is your IRA beneficiary designation congruent with your
estate plan? Is your investment portfolio properly
allocated among large cap, small cap and real estate? Do
you have too little or too much life insurance and is it
owned in the most tax-efficient manner? Any
recommendation we make is analyzed from a comprehensive
wealth management perspective and we always disclose all
fees and costs associated with those recommendations. All strategic
recommendations follow the roadmap we draw up together.
Reaching
Your Wealth Management Destination Make Take Several
Different Routes
Retirement Planning
At what age might you retire and how much will you need
to maintain your current lifestyle? How do you most
effectively use the entirety of your assets during
retirement? Structuring 401(k) and IRA distributions
requires careful planning.
Strategies appropriate for wealth accumulation do not
necessarily govern during retirement years, when
preservation and utilization are the focus. Mistakes on
these issues are often irreversible, thus the importance
of comprehensive consideration and thorough review. We
recognize the realities of your particular situation and
apply the rules accordingly.
Estate Planning and Charitable Giving Strategies
Each client has different ideas as to what should happen
to his/her assets upon death. The challenge is to
accommodate those desires as efficiently as possible.
Trust Company does not give legal advice, but we explain
the various techniques and strategies to you, then
work with your estate planning attorney to implement a
plan. Our goal is to make the estate planning process
clear and understandable, while fully utilizing the
appropriate estate tax minimization strategies.
Insurance Planning
Our
firm believes it is difficult, if not impossible, to
provide objective advice if one is also
engaged in the sale of insurance products. We do
not sell insurance because the
economics are such that the interests of the client and
the interests of the advisor diverge.
We can help you understand how much life insurance you
need to be financially safe, to minimize your tax
burden, and to provide adequate liquidity for cash
needs of your estate. We review disability and long-term
care coverage, and pay special attention to adequate
liability insurance, a potentially crucial element of
asset protection given today’s litigious and uncertain
world. Trust Company can provide access to low
cost solutions for our clients.
Tax Planning
We work closely with your tax advisors to minimize the
tax consequences of the wealth management plan.
Thousands of dollars are wasted each year by wealthy
individuals who lack specialized advice, particularly in
the following areas:
-
Stock Options
-
Alternative
Minimum Tax Issues
-
Tax Efficient
Investment Strategies
-
Estate
Planning
Fiduciary Services
Effective wealth management strategies generally involve
the services of a corporate fiduciary. We are
chartered to serve in any fiduciary role. Unlike the
sometimes bureaucratic or impersonal approach of large
financial institutions, we apply our individualized and
flexible approach to our fiduciary services. Our shared
family office services can simplify your life, enabling
you to focus on your interests, rather than the
laborious and onerous daily demands of handling one’s
own affairs. We provide a permanent and skilled
resource over many generations.
Investment Management
A sound investment strategy is the cornerstone of wealth
accumulation and
preservation. As such, we feel that this part of your
long-term success must be precisely tailored to meet
your personal goals. How does Trust Company manage this
fundamental part of our relationship with you? (Please
see Investment
Philosophy and Approach for more
information.)
Becoming
a Client of The Trust Company of the South
In
closing, our firm's clientele includes corporate
executives, professionals, widows/heirs, non-profit
endowments and charitable foundations. We've found some
commonality in why people elect to do business with us.
They include:
-
A desire and ability to delegate
-
A preference for a truly objective approach to
managing their wealth
-
Acknowledgement that "you get what you pay for"
-
A desire to simplify their financial lives
Our seasoned professionals are attorneys, CPAs, MBAs and
CFPs and provide our wealth counsel with a level of
transparency and responsiveness that is rare in the
financial services industry. |
