Services
Investment Management
Our investment approach starts with our collaboration with you to analyze your financial needs and objectives to design a personalized investment portfolio. We will coordinate the tax consequences and opportunities, risk tolerance and future cash flow needs to strive for your long-term goals and objectives.
We take a disciplined and structured approach to customize your investment portfolio. Depending on your unique needs, we employ our expertise and resources to construct a diversified and robust investment portfolio for you.
Advisory services are offered through Spectrum Capital Investment Group, Inc., a Registered Investment Adviser registered with the Securities Exchange Commission.
Financial Planning
The Standards of Professional Conduct defines financial planning as “the process of determining whether and how an individual can meet life goals through the proper management of financial resources."
Financial planning is a long-term process of wisely managing your finances so you can achieve your goals and dreams, while navigating the financial hurdles that inevitably arise throughout life. Thus, monitoring and adjusting your plan on a ongoing basis is important in achieving your goals.
Financial planning services are offered through Spectrum Capital Investment Group, Inc., a Registered Investment Adviser registered with the Securities Exchange Commission.
Tax Planning & Preparation
Tax services are offered through PUTMANGROUP, an affiliated company. As one of the premier certified public accounting firms in Orange County for over 30 years, the PUTMANGROUP is a unique CPA firm that is innovative in our approach with the services we provide.
We live up to your expectations by working closely with you, in a shared responsibility, by managing your overall financial needs including accounting and tax. We believe that technology is a key resource to optimize our efficiency. Along with our knowledge and expertise, we can provide the best service possible.
Divorce Consulting
A Certified Divorce Financial Analyst (CDFA) uses their knowledge of tax law, asset distribution and short- and long-term financial planning to achieve equitable divorce settlements. The best-case scenario for two people divorcing is that it’s amicable and both parties agree on the division of assets.
Pre-divorce financial counseling can help people going through a divorce arrive at a settlement that is fully understood by all involved. The role of the Certified Divorce Financial Analyst® professional is to assist the client and their lawyer to understand how the financial decisions they make today will impact the client’s financial future.
Retirement Plans
Are you planning on retiring in the near future? We can help you explore the following questions:
- Should you rollover your 401(k) to an IRA?
- Will you benefit from a Roth IRA conversion?
- When should you apply for social security benefits?
Advisory services are offered through Spectrum Capital Investment Group, Inc., a Registered Investment Adviser registered with the Securities Exchange Commission.
401(k) & Employer Sponsored Plans
Employer-sponsored retirement plans are a type of benefit plan offered to employees at a relatively low cost. Employees are able to systematically save for their retirement using pre-tax dollars.
We help business owners design and manage employer-sponsors retirement plans to best suit the needs of the business. Choosing the most appropriate type of retirement plan is important in also maximizing the employer tax benefits. The employer may be able to deduct employer contributions as a business expense while providing a great incentive to recruit and retain valuable employees.
Advisory services are offered through Spectrum Capital Investment Group, Inc., a Registered Investment Adviser registered with the Securities Exchange Commission.
Estate Planning
The term "estate" is no longer associated only with the ultra-wealthy. Nowadays many households, especially middle-class families, can benefit from having an estate plan.
Estate planning allow you to choose your beneficiaries. Without an estate plan, family feuds may develop or the courts will often decide who gets your assets possibly resulting in a lengthy, costly process.
Furthermore, an estate plan can also protect you and your assets in the event you become incapacitated or cannot make decision for yourself.
We can introduce you to a reputable estate planning attorney to guide you through the process and develop strategies to protect your wealth well into the future.
Charitable Giving
Charitable giving can be an integral part of your tax, estate and financial planning. There are several different methods of charitable giving based on your financial situation and your charitable goals.
Long-term appreciated stock, Donor Advised Funds and Charitable Remainder Trusts are a few vehicles that enables you to leave your legacy and maximize the impact of your gift.
Our highly credentialed team of CPAs, CFP®s and ChFC®s can help evaluate your options and develop a giving strategy that optimizes your contribution in the most tax efficient manner.